Toolkit test pages
REAR Submission Obligation Checker
Determine whether you are required to file a Real Estate Activity Report (REAR) on the UAE FIU goAML portal, step by step.
REAR Submission Obligation Checker — Assessment Report
AMLUAE | AMLVerse — NIYEAHMA Consultants LLP | amluae.com | amluae.com/contact-aml-uae/
A Part of NIYEAHMA's AMLVerse, a global AML compliance ecosystem connecting consulting, regulatory knowledge, professionals, implementation frameworks, and technology.
- real estate brokers and agents under MoET Circular No. 05/2022, and
- lawyers and law firms under MoJ Circular No. 14 of 2022,
Based on your selection, this tool does not identify your entity as falling within the REAR filing scenarios currently reflected here, namely:
- Real estate brokers and agents under MoET Circular No. 05/2022, and
- Lawyers and law firms under MoJ Circular No. 14 of 2022.
This result does not determine your broader AML/CFT obligations, which may still apply under the current UAE AML/CFT legal framework.
Other goAML Reports — Your Obligations Remain
Regulatory References
- Federal Decree-Law No. 10 of 2025 on Anti-Money Laundering, Combating the Financing of Terrorism and Financing of Illegal Organisations
- Cabinet Resolution No. 134 of 2025 issuing the Executive Regulation of Federal Decree-Law No. 10 of 2025 — Article 3(2)
- MoET Circular No. 05/2022 on the Real Estate Activity Report for real estate brokers and agents
- MoJ Circular No. 14 of 2022 on the Real Estate Activity Report for lawyers and law firms
This tool applies the current federal AML/CFT framework together with the REAR filing scenarios reflected in the above circulars, on the basis that those circulars continue to be applied unless replaced or revoked.
Need guidance on your AML/CFT obligations?
Our team can help you identify your goAML reporting requirements and ensure full compliance.
Contact AMLUAE →MoJ Circular No. 14 of 2022 applies to lawyers who are preparing, conducting or executing a financial transaction for a freehold property purchase or sale on behalf of a client. Where the engagement is limited to providing legal advice, drafting opinions, or litigation representation, REAR is not required for that specific instruction.
If the nature of your engagement changes and you proceed to execute or conduct the financial transaction itself, you must re-assess your REAR obligation at that point.
Your other AML/CFT obligations — including CDD, record-keeping, and all other goAML reports — continue to apply in full under Federal Decree-Law No. 10 of 2025 and MoJ supervisory guidelines.
Other goAML Reports — Your Obligations Remain
Regulatory References
- Federal Decree-Law No. 10 of 2025 on Anti-Money Laundering, Combating the Financing of Terrorism and Financing of Illegal Organisations
- Cabinet Resolution No. 134 of 2025 issuing the Executive Regulation of Federal Decree-Law No. 10 of 2025 — Article 3(2)
- MoET Circular No. 05/2022 on the Real Estate Activity Report for real estate brokers and agents
- MoJ Circular No. 14 of 2022 on the Real Estate Activity Report for lawyers and law firms
This tool applies the current federal AML/CFT framework together with the REAR filing scenarios reflected in the above circulars, on the basis that those circulars continue to be applied unless replaced or revoked.
Unsure about your scope of engagement?
Speak to an AMLUAE specialist to confirm whether your mandate triggers REAR or other obligations.
Contact AMLUAE →MoET Circular No. 05/2022 applies to real estate brokers and agents who are facilitating a purchase or sale transaction for a client on freehold property. If your engagement for this transaction is limited to valuation, property management, or other non-transactional services, REAR is not required for this specific instruction.
If the nature of your engagement changes and you proceed to broker or facilitate an actual purchase or sale, you must re-assess your REAR obligation at that point.
Your other AML/CFT obligations — including CDD, record-keeping, and all other goAML reports — continue to apply in full under Federal Decree-Law No. 10 of 2025 and MoET supervisory guidelines.
Other goAML Reports — Your Obligations Remain
Regulatory References
- Federal Decree-Law No. 10 of 2025 on Anti-Money Laundering, Combating the Financing of Terrorism and Financing of Illegal Organisations
- Cabinet Resolution No. 134 of 2025 issuing the Executive Regulation of Federal Decree-Law No. 10 of 2025 — Article 3(2)
- MoET Circular No. 05/2022 on the Real Estate Activity Report for real estate brokers and agents
- MoJ Circular No. 14 of 2022 on the Real Estate Activity Report for lawyers and law firms
This tool applies the current federal AML/CFT framework together with the REAR filing scenarios reflected in the above circulars, on the basis that those circulars continue to be applied unless replaced or revoked.
Need help with AML compliance for your business?
AMLUAE provides tailored AML/CFT compliance services for real estate sector entities.
Contact AMLUAE →Based on the information entered, this tool does not identify a REAR filing trigger because the transaction has not been assessed as a freehold property purchase or sale falling within the circular-based scenarios used in this tool.
This does not remove any wider AML/CFT duties, including customer due diligence, record-keeping, sanctions screening, and where relevant, other goAML reporting obligations.
Other goAML Reports — Your Obligations Remain
Regulatory References
- Federal Decree-Law No. 10 of 2025 on Anti-Money Laundering, Combating the Financing of Terrorism and Financing of Illegal Organisations
- Cabinet Resolution No. 134 of 2025 issuing the Executive Regulation of Federal Decree-Law No. 10 of 2025 — Article 3(2)
- MoET Circular No. 05/2022 on the Real Estate Activity Report for real estate brokers and agents
- MoJ Circular No. 14 of 2022 on the Real Estate Activity Report for lawyers and law firms
This tool applies the current federal AML/CFT framework together with the REAR filing scenarios reflected in the above circulars, on the basis that those circulars continue to be applied unless replaced or revoked.
Need AML compliance support?
AMLUAE provides tailored AML/CFT services for real estate sector entities in the UAE.
Contact AMLUAE →Documents and Next Steps
You should collect and retain the relevant identification and transaction documents, and proceed to complete the REAR through the UAE FIU goAML portal in accordance with your applicable circular and wider AML/CFT obligations.
Record-Keeping Obligation
- Retain all documents and information related to the transaction for a minimum of 5 years — MoET Circular No. 05/2022, Clause 6; MoJ Circular No. 14/2022, Clause 5; Cabinet Decision No. 10/2019, Article 24
Other goAML Reports — Your Obligations Also Apply
Regulatory References
- Federal Decree-Law No. 10 of 2025 on Anti-Money Laundering, Combating the Financing of Terrorism and Financing of Illegal Organisations
- Cabinet Resolution No. 134 of 2025 issuing the Executive Regulation of Federal Decree-Law No. 10 of 2025 — Article 3(2)
- MoET Circular No. 05/2022 on the Real Estate Activity Report for real estate brokers and agents
- MoJ Circular No. 14 of 2022 on the Real Estate Activity Report for lawyers and law firms
This tool applies the current federal AML/CFT framework together with the REAR filing scenarios reflected in the above circulars, on the basis that those circulars continue to be applied unless replaced or revoked.
Need help preparing and filing your REAR?
AMLUAE provides end-to-end regulatory reporting assistance including goAML REAR submission support.
Contact AMLUAE →This result is limited to the REAR assessment only. It does not remove wider AML/CFT obligations, including customer due diligence, sanctions compliance, record-keeping, and where relevant, other goAML reporting obligations.
If further payments are received or made on this transaction, you should re-assess. Cumulative cash payments that collectively reach AED 55,000 or more may trigger a REAR filing obligation under the applicable circular.
Ongoing Monitoring Required
- Monitor all future payments on this transaction. REAR becomes mandatory the moment cumulative cash reaches AED 55,000, or any virtual asset payment is received or made.
- Your STR/SAR obligation applies regardless of REAR. If any payment or behaviour appears suspicious, file an STR/SAR immediately.
- Continue to apply CDD and record-keeping requirements under Federal Decree-Law No. 10 of 2025 and applicable supervisory guidelines.
Other goAML Reports — Your Obligations Remain
Regulatory References
- Federal Decree-Law No. 10 of 2025 on Anti-Money Laundering, Combating the Financing of Terrorism and Financing of Illegal Organisations
- Cabinet Resolution No. 134 of 2025 issuing the Executive Regulation of Federal Decree-Law No. 10 of 2025 — Article 3(2)
- MoET Circular No. 05/2022 on the Real Estate Activity Report for real estate brokers and agents
- MoJ Circular No. 14 of 2022 on the Real Estate Activity Report for lawyers and law firms
This tool applies the current federal AML/CFT framework together with the REAR filing scenarios reflected in the above circulars, on the basis that those circulars continue to be applied unless replaced or revoked.
Stay compliant as payments progress
AMLUAE can help you set up monitoring workflows so you never miss a REAR filing trigger.
Contact AMLUAE →