Dubai RERA Anti-Money Laundering for Brokers question: sale of a freehold apartment in Dubai Marina

Dubai RERAAnti-Money Laundering for Brokers

Rashid is brokering the sale of a freehold apartment in Dubai Marina. The buyer pays a AED 60,000 deposit in banknotes and the AED 1,140,000 balance by bank transfer, and nothing about him seems suspicious. What must the brokerage file?

A Nothing, as the price came mostly by bank transfer and there is no suspicion
B A Real Estate Activity Report on goAML, as the cash paid reached AED 55,000
C A suspicious transaction report on goAML, as the cash of AED 55,000 is suspicious in itself
D A cash declaration to RERA through Trakheesi, as it supervises brokers for AML

Show the answer and explanation

Answer: B. A Real Estate Activity Report on goAML, as the cash paid reached AED 55,000

Ministry of Economy Circular No. 05/2022 requires a Real Estate Activity Report (REAR) on goAML when a freehold sale or purchase involves cash payment(s) of AED 55,000 or more (as at 12 Oct 2026). The AED 60,000 cash deposit meets that trigger even though most of the price came by transfer. A REAR is a threshold report, not a suspicion report, so an STR is needed only if something is actually suspicious. RERA is not the AML reporting channel: reports go to the UAE Financial Intelligence Unit through goAML. Source: MoE Circular No. 05/2022 on the Real Estate Activity Report; goAML report types (as at 12 Oct 2026).

Common mistake

Treating the AED 55,000 cash rule as a suspicion test, or ignoring the cash part because most of the price was a bank transfer.

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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.