Clay&AssociatesAdvocates

Financial Services

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Analysis and commentary on Kenyan law as it is practised: corporate, IP, regulatory, disputes and the industries we serve. Written by the advocates who do the work.

Group of athletes walking together representing tax obligations on athlete income in KenyaFinancial ServicesTax Obligations on Athletes’ Endorsement, Appearance and Prize Income in KenyaA Kenyan athlete today is likely to earn from several different sources at once: a sponsorship or endorsement…12 Sep 2026Stadium exterior under clouds representing funding under the Sports, Arts and Social Development Fund in KenyaFinancial ServicesHow Kenya Funds Sport: Legal Duties Under the Sports, Arts and Social Development FundMost of the money Kenyan sport receives from the state does not come from a parliamentary budget line…12 Sep 2026Football player about to kick the ball representing payroll obligations for sports employers in KenyaFinancial ServicesStatutory Payroll Obligations for Football Clubs and Sports Employers in KenyaFootball clubs, athletics camps and event organisers in Kenya routinely engage players, coaches, physiotherapists, groundstaff and match officials…12 Sep 2026African family celebrating a new home purchaseFinancial ServicesDiaspora Mortgage Financing in Kenya: KMRC Rules and AML ComplianceKenyans working in the diaspora send home billions of shillings every year, and a growing share of that…12 Sep 2026African woman smiling while using a mobile lending app on her smartphoneFinancial ServicesDigital Lending Apps and Predatory Lending Enforcement: Compliance for Fintech StartupsKenya's digital lending sector has a licensing regime, which we cover separately in our guide to Digital Credit…12 Sep 2026Two businessmen reviewing and signing an acquisition document, representing change of control approvals for acquiring a licensed financial services business in KenyaCorporate & CommercialAcquiring a Licensed Financial Services Business in Kenya: Change-of-Control Approvals and Regulatory Due DiligenceBuying a stake in a Kenyan bank, insurer or licensed fintech is never just a share purchase agreement.…11 Sep 2026A Kenyan businessman shaking hands with a foreign investor, representing foreign ownership and market entry in Kenya financial servicesRegulatory & ComplianceForeign Ownership and Market Entry in Kenya’s Financial Services Sector: What CBK and CMA Actually RequireForeign investors researching Kenya's financial services sector often start from the assumption that banking, insurance and capital markets…11 Sep 2026African compliance professional reviewing records on a laptop, representing AML and Travel Rule compliance for Kenya VASPsRegulatory & ComplianceAML and Travel Rule Compliance for Kenya’s Newly Licensed VASPsKenya's Virtual Asset Service Providers Act, 2025 is regularly described as bringing crypto businesses "under FATF's Travel Rule."…11 Sep 2026African businessman in a suit with a city financial district skyline behind him, representing private credit funds and alternative lending in KenyaCorporate & CommercialPrivate Credit Funds in Kenya: CMA’s Regulatory Approach to Alternative Lenders"Private credit fund" is not a defined term in Kenyan law, and that gap trips up more foreign…11 Sep 2026 Talk to usNeed advice on Financial Services?Speak to an advocate about your Financial Services matter.Get in touch