Qatar requires central bank approval before a bank launches a new AI system
The QCB AI Guideline, in force since September 2024, adds an AI register, mandatory human oversight and customer notice when people deal with AI.
The Qatar Central Bank’s Artificial Intelligence Guideline entered into force on 4 September 2024 (QCB). It applies when a QCB-regulated entity develops AI itself, buys AI systems, or outsources functions that rely directly on AI.
The strictest point: approval first
An entity “must receive official QCB approval prior to launching a new AI System as a Provider and to any material modification of an existing one.” For high-risk systems, Pinsent Masons notes, purchase, licensing or outsourcing agreements also need QCB approval before signing, and the QCB may send a system to its sandbox for evaluation (Pinsent Masons).
Other requirements
- A periodically reviewed AI strategy and a dedicated function overseeing AI systems.
- A human oversight protocol for every AI system in use.
- An AI register, disclosed to the QCB annually and on request.
- Board and senior management accountability for AI outcomes and decisions.
What customers get
Banks should tell customers when they are interacting with an AI system, explain decision-making that involves AI and how it may affect them, and get consent to the associated risks before providing the service, according to Pinsent Masons.
Compared with the UAE
The UAE’s 2026 guidance is non-binding and principles-based. Qatar’s guideline uses “must” and adds prior approval. For a bank operating in both, Qatar sets the higher bar.
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