Dubai RERA Anti-Money Laundering for Brokers question: before going further

Dubai RERAAnti-Money Laundering for Brokers

A buyer for a AED 9,000,000 penthouse in Downtown Dubai mentions that her brother is a serving minister in a foreign government. The brokerage already holds her passport and Emirates ID. What must it do before going further?

A Apply enhanced due diligence: senior management approval and source of funds and wealth checks
B Nothing more; the minister himself, not his relatives, is the politically exposed person
C File a suspicious transaction report on goAML, then continue with standard due diligence
D Decline the client; brokers may not act for politically exposed persons or members of their families

Show the answer and explanation

Answer: A. Apply enhanced due diligence: senior management approval and source of funds and wealth checks

Politically exposed persons include foreign PEPs, and their family members and close associates are treated as PEPs for due diligence purposes. Under the 2025 executive regulations (Cabinet Decision No. 134 of 2025, in force 12 Oct 2026), enhanced due diligence includes senior management approval and establishing both the source of funds and the source of wealth. Being a PEP's relative is not suspicious in itself, so an STR is not automatic, and nothing bars brokers from acting for PEPs once the enhanced checks are done. Source: Cabinet Decision No. 134 of 2025 (EDD and PEPs) (in force 12 Oct 2026).

Common mistake

Applying the PEP rules to the office-holder only and forgetting family members and close associates.

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Study note: Anti-Money Laundering for Brokers (Federal Decree-Law 10 of 2025)Dubai RERApractice questions & mock exams

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Original study material mapped to the public exam domains; not a real test question.Independent. Not affiliated with DLD, RERA or DREI. Verify figures and rules against current guidance before relying on them.