Over 2.57 Million Uzbeks Activate Credit Self-Ban
More than 2.57 million people in Uzbekistan have activated a voluntary self-ban on taking out loans since the service was introduced to help prevent credit fraud.
Over 2.57 Million Uzbeks Opt for Credit Self-Ban
Tashkent, Uzbekistan (UzDaily.uz) — According to the Credit Information Analytical Center (KIAC), over 2.57 million individuals in Uzbekistan have voluntarily activated a self-imposed ban on obtaining loans since the service was launched.
As of July 1, 2026, the total number of individuals utilizing this service reached 2,574,026.
In the second quarter, the user count rose by 366,273, marking an increase of approximately 16.6% since early April. In total, more than 2.13 million people activated the self-ban in the first half of 2026, which represents nearly 83% of all service users.
The majority of users were men, totaling 1,497,389, or 58% of the overall count. Women accounted for 1,076,637 users, or 42%.
The service was particularly favored by those aged 26 to 35, with 764,943 users, making up 30% of the total. Among individuals under 26, 647,651 people, or 25%, activated the self-ban. Additionally, 609,665 users aged 36 to 45, or 24%, utilized the service. In the 46–55 age bracket, 319,354 individuals, or 12%, registered a self-ban, while 232,413 users aged over 56, or 9%, did the same.
The self-ban mechanism continued to gain traction in the first half of the year. At the start of 2026, 438,300 individuals had an active self-ban. By April 1, this number had surpassed 2.2 million. Although growth slowed in the second quarter, over 366,000 additional individuals opted for the service.
This self-ban mechanism was established following legislative amendments regarding the exchange of credit information in March 2025. It enables individuals to block loans from being issued in their name at no cost, serving as a safeguard against unauthorized borrowing.
Applications to activate or remove a self-ban can be submitted directly to the credit bureau, through public service centers, or via the Unified Portal of Interactive Public Services. Upon receiving an application, the credit bureau promptly records the applicant's information in the appropriate register.
The law mandates that banks, microfinance institutions, and other lenders verify the self-ban register before approving a loan.
Should a loan be granted without such verification, the financial institution is held accountable for any resulting legal repercussions.