Policy Library · compliance-aligned

Policies & Rule Packs

Codified policies linked to the rules that enforce them automatically on every event

5 policies · 4 active

Source: BOT Dormant Accounts

Authority: Bank of Tanzania · GN No. 298 (2025)

Demo data · illustrative only

Policy Documents

All categories

Category	Title · Version	Rules covered	Owner	Status
DORM POL-DORM-001	Proactive Segregation Policy v1.0 · updated 7/6/2026	BOT Dormancy · segregationinactivity 2yr	Compliance · Dormancy Desk	active
DORM POL-DORM-002	Ageing & BOT Eligibility Policy v1.0 · updated 7/6/2026	BOT Dormancy · ageingBOT eligibility 10yr	Compliance · Dormancy Desk	active
DORM POL-DORM-003	Restoration / KYC Re-verification Policy v1.0 · updated 7/7/2026	BOT Dormancy · restorationKYC re-verification	Compliance · Dormancy Desk	active
DORM POL-DORM-004	BOT Submission & Records Retention Policy v1.0 · updated 7/7/2026	BOT Dormancy · submissionrecords retention	Compliance · Dormancy Desk	review
DORM POL-DORM-005	Fee Prohibition on Dormant/Inactive Accounts v1.0 · updated 7/12/2026	BOT FCP reg. 11(2)(g)no maintenance fees	Compliance · Dormancy Desk	active

Regulatory basis

The Bank of Tanzania (Financial Consumer Protection) (Amendment) Regulations, 2025 — Government Notice No. 298, published 23 May 2025, made under section 70(1) of the Bank of Tanzania Act (Cap. 197), amending the Bank of Tanzania (Financial Consumer Protection) Regulations, 2019 (GN No. 884 of 2019).

“inactive account” reg. 3(d) (new): an account left unused by a consumer for more than 5 months.
“dormant account” reg. 3(a), amended: threshold word amended from “five” to “twelve”; the unit is not stated in the amendment. Shown as 12 [months/years — confirm unit].

10-year BOT submission — citation pending

GN No. 298 does not set a 10-year threshold. The 10-year unclaimed-balance submission is a separate instrument: [separate BOT instrument — confirm citation with Frank/Allan]

Rule Pack

Proactive Segregation Policy

Every policy maps to a rule pack evaluated automatically on each event. Showing: rules.banking.proactive-segregation

{
  "and": [
    {
      ">=": [
        {
          "var": "account.inactivity_days"
        },
        730
      ]
    },
    {
      "==": [
        {
          "var": "account.status"
        },
        "active"
      ]
    },
    {
      "==": [
        {
          "var": "account.customer_contact_flag"
        },
        false
      ]
    }
  ]
}

Evaluated by the risk-gate engine on each account event. A match drives the policy's action (segregate, flag, submit, or restore); a restoration miss holds or blocks the account until KYC re-verification clears.

5 rule packs · click a policy to inspect its logic