Resolution of the Board of the National Bank of Ukraine No. 65 dated June 12, 2026, is aimed at the implementation of the provisions of the Law of Ukraine “On Amendments to Certain Legislative Acts of Ukraine regarding the Development of Financial Inclusion in Ukraine.” The document updates the rules of operation for commercial agents and the registration procedures for payment market participants. The main objective of the amendments is to expand opportunities for the provision of financial services and to strengthen the accountability of service providers for the actions of their agents.
**Structure and Main Provisions:**
The act consists of four resolution items and two annexes containing amendments to current NBU regulatory acts:
1. **Amendments to Regulation No. 168:** regulate the activities of commercial agents, in particular “financial inclusion banks.”
2. **Amendments to Regulation No. 208:** adjust the registration procedures for payment systems and technological operators.
Compared to previous versions, the key change is the clear consolidation of financial institutions’ liability to users for the activities of their agents, as well as the expansion of the authority of financial inclusion bank agents regarding the provision of services outside of stationary points.
**Most Important Provisions for Practical Application:**
* **Liability:** Banks and payment institutions are now directly liable to clients for the actions of the commercial agents they engage.
* **Expansion of Agents’ Rights:** Commercial agents of financial inclusion banks have been granted the right to provide cash acceptance services outside of specialized service points, which facilitates the accessibility of financial transactions.
* **Technological Operators:** Requirements for technological operators have been strengthened, specifically by introducing liability for submitting false information to the NBU, which serves as grounds for exclusion from the relevant registers.
* **Documentation:** Requirements for cash documents and the list of data submitted to the NBU upon registration of agent activities have been updated, which requires market participants to update their internal procedures and reporting.
The Resolution enters into force on June 26, 2026.
