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Uganda Regulatory Pack

mfi_reg_uganda covers Tier 4 microfinance institutions licensed by UMRA, larger MDIs supervised by Bank of Uganda, and the Financial Intelligence Authority AML regime.

Regulator pack runs
CBK / SASRA / BoU pack runs.
At a glance — Supervisors: UMRA (Tier 4), BoU (MDIs and SACCO Tier 3), FIA (AML), URA (tax). Default currency UGX. Multi-currency permitted for foreign-currency loan products.

Uganda regulatory landscape

Uganda's microfinance sector is tiered. Tier 1 are commercial banks (out of scope for MFI Suite). Tier 2 are credit institutions. Tier 3 are MDIs (Microfinance Deposit-taking Institutions) supervised by BoU. Tier 4 covers non-deposit-taking MFIs, SACCOs, and money-lenders, supervised by UMRA under the Tier 4 Microfinance Institutions and Money Lenders Act 2016.

The pack auto-selects the right return based on the tenant's licence tier configured in Settings. The vast majority of Ugandan deployments are Tier 4.

UMRA returns

  • T4-Q quarterly statistical return (members, loans, savings, capital)
  • T4-A annual audited financial statements with UMRA cover sheet
  • T4-CR consumer complaints register (real-time)
  • T4-INC incident report (data breach, fraud, robbery) — file within 24 hours

BoU returns (Tier 3)

If tenant holds a Tier 3 MDI licence the pack instead emits the BoU monthly returns: MDI-1 (prudential), MDI-2 (large exposures), and MDI-Q quarterly stress test.

ReturnFrequencyDeadline
MDI-1 PrudentialMonthly10th of following month
MDI-2 Large ExposuresMonthly10th of following month
MDI-Q Stress TestQuarterly21 days after quarter end
MDI-A Audited AccountsAnnual30 April

FIA AML reports

Uganda's Financial Intelligence Authority operates an electronic portal accepting STR (Suspicious Transaction Report) and CTR (Cash Transaction Report above UGX 20,000,000) in goAML XML format. The pack reuses the goAML generator from mfi_reg_common with Uganda-specific field mappings.

Warning — FIA may compel real-time read access to the tenant's transaction history during an investigation. The pack exposes a read-only API endpoint /mfi/aml/fia/inspect that the AML Officer can enable temporarily for FIA investigators.

URA withholding tax

Withholding tax on interest is 15% for residents. The pack files the monthly e-tax return through the URA web portal export.

# Manual URA WHT export
mfi-cli regulatory ura-wht-export \
  --period 2026-03 \
  --output /tmp/ura_wht_202603.csv \
  --db microfinance.ug.mybridgeerp.com

Worked scenarios

Scenario — Mbarara Hope MFI files Q1 2026 UMRA return

Setting: Mbarara Hope Microfinance Limited, a Tier 4 MFI with 8,400 members in western Uganda, files the quarterly UMRA return for Q1 2026.

CharacterRole
Florence AchiengCompliance Officer (Ugandan-trained)
Peter OtienoHead of Finance
Mary MutuaMD (counter-signs)

Timeline

  1. 31 Mar, 23:59: March books closed. (Loan portfolio UGX 12.4B, savings UGX 7.8B.)
  2. 1 Apr, 02:00: Cron scaffolds T4-Q for Q1. (Return record 2026-T4Q-Q1, state=open.)
  3. 5 Apr, 09:00: Florence pulls the return; engine populates from books. (Net loan portfolio UGX 11.9B (after provisions), PAR>30 = 4.2%, capital UGX 2.1B.)
  4. 5 Apr, 11:00: Engine flags two exceptions: missing economic-sector tags on 47 loans. (Bulk wizard launched.)
  5. 6 Apr, 14:00: Peter classifies the 47 loans (mostly agro-input financing). (Loans tagged agriculture-crop; recompute fires.)
  6. 10 Apr, 10:00: Florence signs and routes to MD. (State=ready.)
  7. 10 Apr, 15:30: Mary counter-signs. (State=signed.)
  8. 12 Apr, 08:00: Florence uploads to UMRA portal. (Reference T4Q-2026Q1-MBHOPE-0042 captured.)
  9. 20 Apr, 09:30: UMRA acceptance received. (State=accepted.)

Outcome — Q1 return lodged with 9 days to spare. The agriculture-crop classification on the 47 loans now drives a separate UMRA agriculture exposure line in future returns.

Reference

Tier configuration

TierLicenceReturnsEngine setting
Tier 2BoU credit institutionOut of scopeNot supported
Tier 3BoU MDIMDI-1, MDI-2, MDI-Q, MDI-Amfi_reg_ug.tier=3
Tier 4 MFIUMRA MFIT4-Q, T4-A, T4-CR, T4-INCmfi_reg_ug.tier=4-mfi
Tier 4 Money LenderUMRA money lenderT4-Q (shortened), T4-CRmfi_reg_ug.tier=4-ml
Tier 4 SACCOUMRA SACCOT4-Q with SACCO addendummfi_reg_ug.tier=4-sacco

Troubleshooting

SymptomLikely causeFix
T4-Q rejects with 'invalid licence number format'.UMRA licence numbers must include the tier prefix (e.g. T4M-2024-00123).Settings > MFI > Licences > Uganda UMRA, prepend the tier prefix.
BoU MDI-1 missing one branch's data.Branch not tagged with res.company.country_id=UG.Set the company country to Uganda; recompute.
FIA portal upload fails with 'unsupported schema'.FIA upgraded goAML schema to 5.0.1 in 2025; pack default was 4.0.Upgrade mfi_reg_uganda to >=18.0.2.0.0.

See also

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