Clay&AssociatesAdvocates

Financial Services

Your Business, Our Solutions.

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.

Insurance and reinsurance professionals reviewing regulatory compliance documents in KenyaFinancial ServicesInsurance (Amendment) Regulations 2025: The Kenya Re Reinsurance Cession Increase ExplainedThe Insurance (Amendment) Regulations 2025, gazetted as Legal Notice No. 55 of 2026 and made on 31 December…12 Sep 2026Financial services professionals in a boardroom meeting discussing capital markets compliance in KenyaFinancial ServicesCapital Markets (Amendment) Act 2025: What the Repeal of Shareholding Caps Means for Licensed IntermediariesThe Capital Markets (Amendment) Act 2025 (Act No. 26 of 2025) removed the shareholding caps that had governed…12 Sep 2026Group of athletes walking together representing tax obligations on athlete income in KenyaRegulatory & ComplianceTax 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 KenyaRegulatory & ComplianceStatutory 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 2026 Talk to usNeed advice on Financial Services?Speak to an advocate about your Financial Services matter.Get in touch