Over 2.57 million people in Uzbekistan opt to block loans in their name

According to the Credit Information Analytical Center, as of July 1, 2026, the service had been used by 2,574,026 individuals. During the second quarter alone, the number of users increased by 366,273, representing growth of about 16.6% over three months.

Men continue to account for the majority of users, with 1,497,389 people, or 58% of the total. Women make up the remaining 1,076,637 users, or 42%.

The service has proven most popular among people aged 26–35, with 764,943 users, accounting for 30% of the total. They are followed by those under 26, with 647,651 users (25%), and the 36–45 age group, with 609,665 users (24%). Among those aged 46–55, 319,354 people, or 12%, have activated the self-ban, while 232,413 users, or 9%, are aged 56 and above.

The number of users rose sharply during the first half of 2026. At the beginning of the year, 438,300 people had activated the restriction. By April 1, that figure had exceeded 2.2 million, meaning nearly 1.77 million people signed up during the first quarter alone.

Growth continued in the second quarter, albeit at a slower pace. Between April and June, another 366,300 people activated the self-ban. Overall, more than 2.13 million individuals have joined the service since the start of 2026, accounting for nearly 83% of all registered users.

As in previous reporting periods, the agency did not publish monthly statistics.

How the credit self-ban works

The legal framework for the service was introduced in March 2025, when President Shavkat Mirziyoyev signed amendments to the Law "On Credit Information Exchange," allowing individuals to voluntarily prohibit or later revoke the issuance of loans in their name.

The measure is designed to prevent loans from being obtained without a person's knowledge or participation. Applications to activate or remove the restriction can be submitted directly to a credit bureau, through a public services center, or via the Single Portal of Interactive Public Services (my.gov.uz).

Upon receiving an application, the credit bureau is required to immediately add the applicant to the register of individuals prohibited from entering into credit agreements. The service is provided free of charge, while detailed implementation procedures are determined by the Cabinet of Ministers.

Banks, microfinance institutions, and other lenders are prohibited from issuing loans without first checking whether a potential borrower is listed in the self-ban register. Financial institutions that fail to carry out this verification bear legal responsibility for loans issued without the individual's knowledge or consent.

Information contained in the self-ban register is made available to authorized lenders free of charge.