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Law

NS/RKM/0121/003

Law on the Organization and Functioning of the Non-Bank Financial Services Authority

The law that consolidated Cambodia’s non-bank financial regulators under one authority — and therefore the reason a digital asset business answers to SERC under the NBFSA rather than to the central bank.

Regulatory information — not legal or tax advice

Cambodian instruments change, and are sometimes deferred after being announced. Every page here shows the date its contents were last verified and links to the source it was verified against — check both before relying on anything. Reserved work, meaning legal opinions, tax filings and licence applications, belongs with Bar-admitted counsel and licensed tax agents. CamFinTech advises clients on process; it does not represent them before any regulator.

Issuer
National Assembly of Cambodia
Issued
16 January 2021
Legal force
In force
Sectors
Non-bank finance · Securities · Insurance · Trusts
Verified
31 August 2026

Who it binds

The non-bank financial sectors it brings under NBFSA oversight, and the sector regulators that supervise them day to day.

What it requires

  • Establishes the NBFSA as an independent regulatory body integrating and overseeing the non-bank financial services sectors.
  • Brings six sectors under that umbrella: insurance and private pensions; securities and exchange; social security; trusts; accounting and auditing; and real estate and pawnshops.
  • States aims of effectiveness, transparency and stability in regulation and supervision, uniform regulatory standards, consumer protection, and support for FinTech development.

What it does not cover

The limits of an instrument decide whether it applies to you, and are rarely published. These are stated from the instrument itself.

  • Banking, payments and e-money, which remain with the National Bank of Cambodia. The split between the two is the first thing a FinTech needs to establish about itself.
  • The operating rules of any sector. Those come from the Prakas each sector regulator issues — Prakas 093 for digital assets, the trust instruments for fiduciary services.
  • Tax, commerce or telecommunications, which sit with other ministries entirely.

Sources

  • Law on the Organization and Functioning of the Non-Bank Financial Services AuthorityTSM Law Group · professional legal commentary

Related

  • 093 — Prakas on the Licensing and Management of Digital Asset Business
  • NS/RKM/0119/002 — Law on Trust
  • NS/RKM/1199/13 — Law on Banking and Financial Institutions
  • Cambodia FinTech Regulation: Complete Licensing and Compliance Framework

How CamFinTech Can Help

Core Rail Integrations

  • CamDX / eKYC Enablement
  • Bakong / KHQR Integration
  • CamInvoice Readiness
  • CamInvoice SP-Enablement

Strategic Services

  • Licensing-Readiness
  • Market-Entry Consulting

Risk & Security

  • AML-Programme Design
  • Security / Pentesting
  • Data-Protection Protocols
  • DASP Approval-Readiness· flagship

Enablement

  • Professional Training & Knowledge Transfer

Fee-only. We build the client-side integration ourselves, or bring in an accredited Service Provider as a disclosed sub-contract. We never hold client funds and never operate a rail.

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