Regulation hub

Regulator page

Dubai Financial Services Authority (DIFC)

Who it applies to: Firms authorised by the DFSA in the Dubai International Financial Centre.

Instruments that apply

DFSA GEN outsourcing rules

DFSA Rulebook, General Module (GEN) - outsourcing rules

Number and year
GEN 5.3.21-5.3.22
Issuer
Dubai Financial Services Authority (DFSA)
Status
In force. Rule pages show the April 2011 version notes; later amendments not checked. CP170 (Operational Resilience, 27 Mar 2026) is proposed and not final.
Applies to
DFSA Authorised Persons (Authorised Firms and Authorised Market Institutions) in the DIFC.
Notes

The DFSA rulebook site blocked some automated fetches, so the current consolidated version could not be fully confirmed. CP170 proposes critical business services, impact tolerances, dependency mapping (including third parties), scenario testing and immediate notice of material disruptions; comments closed 26 May 2026.

DFSA cyber risk management rules

DFSA Rulebook, GEN - Cyber Risk Management rules

Number and year
GEN 5.5
Issuer
Dubai Financial Services Authority (DFSA)
Status
In force. Secondary sources disagree on the start date: Waystone says 1 Jan 2024; Penta says the rules were codified in Jan 2022.
Applies to
Authorised Firms, Authorised Market Institutions, Registered Auditors and Credit Rating Agencies.
Notes

The rule text was not reachable (robots-blocked). The 72-hour figure and the start date come only from secondary sources. Penta cites 5.5.6-5.5.14 (testing), 5.5.14 (training) and 5.5.17(4) (review); these are unverified.

DIFC Data Protection Law

DIFC Data Protection Law, DIFC Law No. 5 of 2020 (as amended by DIFC Amendment Law No. 1 of 2025)

Number and year
DIFC Law 5/2020
Issuer
DIFC (Ruler of Dubai); administered by the DIFC Commissioner of Data Protection
Status
In force since 2020. Amendments in force from 15 Jul 2025, adding a private right of action in the DIFC Courts and a documented transfer assessment.
Applies to
Controllers and processors in the DIFC. Since the 2025 amendments, this covers any processing in the DIFC, whether or not the entity is incorporated there.
Notes

The text reviewed is the 2020 version; the article numbers after the 2025 amendment were not re-checked. The timing for notifying data subjects (Art. 42) was not verified.

Requirements by topic, and how NexaPair covers them

Mapped from our source-by-source research, checked on 3 November 2026. High-confidence items were checked on an official page; Secondary source means law-firm or other secondary sources only; To be confirmed means reported but not verified.

Governance and Board oversight

  • Outsourcing does not remove regulatory obligations. The outsourced function is treated as carried out by the firm itself, including for group outsourcing.

    DFSA GEN outsourcing rules · GEN 5.3.21(1)-(2)

    Covered by
    • LiveBoard pack
    • LiveReadiness view for each regulator, also in the Board pack

Due diligence

  • Do due diligence when choosing providers, supervise the outsourced work effectively, and deal with any provider act or failure that could breach DIFC law.

    DFSA GEN outsourcing rules · GEN 5.3.21(3)

    Covered by
    • LiveDue diligence cases by tier
    • LiveExplainable risk score with factor weights and minimum-tier rules
  • Third-party cyber risk should be covered in the framework; the exact sub-rule was not verified. To be confirmed

    DFSA cyber risk management rules

    Covered by
    • LivePassive outside-in cyber posture: an A to F grade per vendor, history, scheduled re-checks and grade-drop alerts
    • LiveDue diligence cases by tier
    • LiveExplainable risk score with factor weights and minimum-tier rules

Outsourcing notice and approval

  • Inform the DFSA of any material outsourcing arrangement.

    DFSA GEN outsourcing rules · GEN 5.3.22(1) · Timing: No timing stated in the rule text

    Covered by
    • LiveMaterial-change notice and non-objection gate
    • LiveOutsourcing register

Contracts

  • Processing for a controller needs a legally binding written agreement with set contents: subject matter, duration, nature and purpose, data types, data subject categories, and processor commitments.

    DIFC Data Protection Law · Art. 24(1), 24(5)

    Covered by
    • LiveContracts and obligations

Audit and regulator access

  • The written contract must require the provider to supply information, give access to its premises, and deal openly and cooperatively with the DFSA.

    DFSA GEN outsourcing rules · GEN 5.3.22(2)(b), (3)

    Covered by
    • LiveContracts and obligations
    • LiveUAE requirements pack for seven regimes: CBUAE, DFSA, FSRA, CMA, VARA, government and federal

Subcontracting and fourth parties

  • Sub-processors need the controller's prior written authorisation. A general authorisation is allowed if the processor gives notice of changes and considers objections.

    DIFC Data Protection Law · Art. 24(2)

    Covered by
    • LiveVendor and subcontractor (fourth-party) mapping

Resilience and business continuity

  • For material outsourcing, keep outsourcing policies, contingency plans and risk management programmes.

    DFSA GEN outsourcing rules · GEN 5.3.22(2)(a)

    Covered by
    • LiveCritical-operations register
    • LiveEquivalent-resilience and concentration checks

Registers and record keeping

  • Controllers and processors keep written records of processing.

    DIFC Data Protection Law · Art. 15

    Covered by
    • LiveOutsourcing register
    • LiveCSV and JSON exports of 10 registers, including the audit trail

Incident reporting

  • Notify the DFSA of a material cyber incident through the ePortal form. Secondary source

    DFSA cyber risk management rules · Timing: As soon as reasonably practicable, no later than 72 hours after becoming aware

    Covered by
    • LivePassive outside-in cyber posture: an A to F grade per vendor, history, scheduled re-checks and grade-drop alerts
    • LiveIncident records
    • LiveIncident reporting clocks across regulators: CBUAE, ADGM and the "immediately" rules
  • The controller notifies the Commissioner of a personal data breach.

    DIFC Data Protection Law · Art. 41(1) · Timing: As soon as practicable in the circumstances

    Covered by
    • LiveIncident records
    • LiveIncident reporting clocks across regulators: CBUAE, ADGM and the "immediately" rules
  • The processor notifies the controller of a breach.

    DIFC Data Protection Law · Art. 41(2) · Timing: Without undue delay

    Covered by
    • LiveIncident records
    • LiveIncident reporting clocks across regulators: CBUAE, ADGM and the "immediately" rules

Cross-border data transfer

  • Transfers out of the DIFC are allowed to adequate jurisdictions; otherwise use safeguards (BCRs, Commissioner SCCs, codes, certification) or listed derogations. A documented assessment of the recipient jurisdiction is required since the 2025 amendments.

    DIFC Data Protection Law · Art. 26, Art. 27

    Covered by
    • LiveCross-border transfer assessment under the PDPL or the DIFC and ADGM data protection laws

Data protection

  • Do a DPIA before high-risk processing. A DPO is mandatory for high-risk processing done systematically, with an annual DPO assessment filed with the Commissioner.

    DIFC Data Protection Law · Art. 16, 19, 20 · Timing: DPIA before processing; DPO assessment annually

    Covered by
    • LiveContracts and obligations
    • LiveCross-border transfer assessment under the PDPL or the DIFC and ADGM data protection laws

Cyber security controls

  • Keep a cyber risk management framework approved by the governing body and consistent with recognised standards (e.g. NIST CSF, ISO 27000, CIS), with senior management oversight. Secondary source

    DFSA cyber risk management rules · GEN 5.5

    Covered by
    • LivePassive outside-in cyber posture: an A to F grade per vendor, history, scheduled re-checks and grade-drop alerts
    • LiveQuestionnaires in Arabic and English with AI evidence review that a person signs off

How NexaPair covers this regime

Mapped from the built-in summary. Each line shows whether the feature is live in the product today.

  • LiveOutsourcing register
  • LiveDue diligence cases by tier
  • LiveContracts and obligations
  • LiveMaterial-change notice and non-objection gate
  • LiveIncident records
  • LiveExit plans
  • LiveBoard pack
See it in the walkthrough