The Kenyan National Treasury is implementing new measures to regulate predatory digital lenders, aiming to protect consumers from exorbitant interest rates and unethical practices.

• A strengthened licensing and oversight regime by the Central Bank of Kenya (CBK) now requires all Non-Deposit Taking Credit Providers (NDTCPs) to be licensed under a new Digital Credit Providers regulatory framework.
• Cabinet Secretary for the National Treasury and Economic Planning, John Mbadi, detailed the reforms, emphasizing compliance with the Data Protection Act.
• As of December 2025, digital credit providers accounted for Sh110.5 billion, representing 2.4% of total credit advanced by lending institutions.