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Mortgage law no. 148 of the year 2001 provides a regulatory framework for the issuance of mortgages by bank and non-banking institutions. It regulates the securitization of mortgages to increase trading activity in the stock market. According to that law, borrowers can pay a 20% down payment and the remaining over 20-30 year installments. Middle-income families will be the main beneficiaries of the new Law.
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The provisions of the Law shall apply to the organization of tenders and auctions by the units of government and public bodies. Law No. 147 of 1962 on the implementation of the Economic Development Plan and the regulation of Tenders and Auctions Law promulgated by Law No. 9 of 1983 is repealed.


In May 2002, the first Anti-Money Laundering Law was approved in Egypt. The Law reflects the government's concerns towards the harmful effects of money laundering on the Egyptian economy.
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The Law differentiates between various types of revenues and separates them from available sources to finance the budget deficit.
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The Banking Law no. 88 of the year 2003 regulates the Central Bank of Egypt, the banking sector, dealings in foreign exchange, accounts secrecy and private ownership of public sector banks. The law strengthens banking prudential regulations and raises the minimum capital requirements for banks and foreign exchange offices. The Executive Regulations of the Banking Law were issued in March 2004.
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The Egyptian Financial Supervisory Authority (EFSA) is regulated by Law no. 192 of the year 2009. EFSA is responsible for the supervision and oversight of non-banking financial markets and instruments, including capital markets, forward exchanges, insurance services, mortgage finance, financial leasing, and securitization.
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The Capital Market Law No. 95 of 1992, amended by Decree no. 39 of 1998, regulates the capital markets in Egypt and grants the Capital Market Authority (CMA) the legal authority and status necessary to ensure the effective execution of stock market legislation and regulation.
To read more about the law,
Executive regulations of capital market law 95/1992
Law No.95 of 1992
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