PCFC · PCFC
PCFC Finance-Companies Compliance Complete Review Guide 2026–2027
Every exam topic in a 26-page Arabic PDF, ordered from the heaviest unit to the lightest. The first three chapters alone cover about 62% of the exam questions.
- 26Pages
- 97Key points
- 12Common mistakes
- 47Flashcards
Guide map
Each chapter is one exam unit, ordered by its weight in the real exam.
| Chapter | Unit | Weight | Exam questions | Key points |
|---|---|---|---|---|
| 1 | Compliance in Finance Companies and Role of Compliance Officer | 26% | 13 | 20 |
| 2 | Real Estate Finance Rules and Procedures | 20% | 10 | 15 |
| 3 | AML, CTF and Fraud within Finance Companies | 16% | 8 | 16 |
| 4 | Finance Lease, SMEs Finance and Microfinance Rules | 14% | 7 | 12 |
| 5 | Credit/Charge Cards, Consumer Microfinance, Outsourcing and Debt Crowdfunding | 14% | 7 | 16 |
| 6 | Nature of Finance Companies Sector | 10% | 5 | 18 |
Chapter 1 in full: Compliance in Finance Companies and Role of Compliance Officer
26% of the exam, about 13 questions. These are its key points, as in the guide.
- Approx. paper weight: 13/50.
- Compliance is an independent function that identifies, assesses, advises on, monitors and reports non-compliance risk.
- Consequences of non-compliance: legal or administrative penalties, financial loss and reputational damage.
The rest of chapter 1, on this page
- Compliance reports directly to the audit committee, is independent of executive management and takes no conflicting tasks such as sales.
- The chairman or deputy provides compliance with financial, human and technical resources.
- The head of compliance is appointed by the Board on the audit committee's recommendation after SAMA non-objection.
- The compliance report goes to the audit committee at least quarterly and sets out main compliance risks.
- Irregularities are reported promptly to SAMA and the audit committee.
- The Board oversees compliance risks and assesses the programme at least annually, and may delegate to a committee.
- Executive management enforces the policy and ensures employees understand their duties.
- At least two preferred communication means must be used with the consumer.
- Notice of term changes is 30 business days; the consumer has 10 business days to object.
- Fees and commissions charged to consumers may change only as the rules allow.
- Consumers have a permanent right to refuse promotions, and abbreviations such as APR must be explained.
- Respond to complaints within 10 business days, with acknowledgment of receipt.
- The administrative fee cap is 1% of the finance amount or SAR 5,000, whichever is less.
- Maximum finance term is 5 years or 60 months under responsible financing.
- Phone contact is capped at ten attempts in 30 days and calls are documented.
- Rescheduling is done within 30 days of receiving the needed documents.
- A Board member may not sit on another finance company's Board; senior-management candidates reside in the Kingdom with at least five years' experience.
Common mistakes in this chapter
- Do not mix capital and licence figures across activity lines.
- Independence and reporting lines to the Audit Committee recur often.
The other chapters are in the full guide
One purchase · lifetime access · review guide included
7-day review plan
The chapters are spread over 6 days by weight so each day carries a similar load. Day 7 is a full exam.
Day 1 · 26% of the exam
Chapter 1: Compliance in Finance Companies and Role of Compliance Officer
Day 2 · 20% of the exam
Chapter 2: Real Estate Finance Rules and Procedures
Day 3 · 16% of the exam
Chapter 3: AML, CTF and Fraud within Finance Companies
Day 4 · 14% of the exam
Chapter 4: Finance Lease, SMEs Finance and Microfinance Rules
Day 5 · 14% of the exam
Chapter 5: Credit/Charge Cards, Consumer Microfinance, Outsourcing and Debt Crowdfunding
Day 6 · 10% of the exam
Chapter 6: Nature of Finance Companies Sector
Day 7
Full mock exam: 50 questions in 60 minutes, then review the common mistakes in the units where you lost marks.
How many correct answers do you need?
- Pass mark 70%35 correct out of 50
Before you read: see your score today
10 free questions from the main units, no sign-up. Then you know which chapter to start with.
Try 10 free questions and see your levelA look at each chapter
The first three key points of each chapter, as they appear in the guide (in Arabic in the PDF).
Chapter 1: Compliance in Finance Companies and Role of Compliance Officer
- Approx. paper weight
- Compliance is an independent function that identifies, assesses, advises on, monitors and reports non-compliance…
- Consequences of non-compliance
Chapter 2: Real Estate Finance Rules and Procedures
- Approx. paper weight
- Only SAMA-licensed real estate refinance companies may do refinance, and their licence is limited…
- The PIF share in the stated refinance structure is never below 51%.
Chapter 3: AML, CTF and Fraud within Finance Companies
- Approx. paper weight
- Financial crimes include money laundering, terrorist financing, fraud, corruption and bribery.
- The three stages of laundering
Chapter 4: Finance Lease, SMEs Finance and Microfinance Rules
- Approx. paper weight
- A finance lease is the lessor's lease of assets, rights or services to the…
- The lessor is a joint stock company licensed for finance lease.
Chapter 5: Credit/Charge Cards, Consumer Microfinance, Outsourcing and Debt Crowdfunding
- Approx. paper weight
- A charge card requires the full balance to be paid, unlike a revolving credit…
- Credit or charge cards are not issued to anyone under eighteen.
Chapter 6: Nature of Finance Companies Sector
- Approx. paper weight
- A finance company is a joint stock company licensed by SAMA to engage in…
- Licensable activities
The full guide comes with lifetime access
The full guide (26 pages) is included with lifetime access to this exam, together with every question and full mock exam. Chapter 1 is free for everyone.
Questions about the guide
Is the guide free?
Chapter 1 is free to read on the guide page. The full guide comes with lifetime access to this exam; 7-day access does not include it.
Is it up to date for 2026–2027?
Yes. Unit weights and exam facts follow what the exam body last published, and the last check date is printed in the guide. If the standards change we update the file and buyers download the new version.
Does the guide have questions?
No. The guide covers key points and common mistakes; scoring, weak-area practice and full mock exams are on the site.
Can I read it on my phone?
Yes. A5 pages in a single column, with chapters linked from the contents.
- Pages
- 26
- Edition
- 1448 AH · 2026–2027
- Language
- Arabic
- Last updated
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Back to Professional Exam of Compliance of Finance Companies Sector (PCFC)
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