Recent official correspondence confirms the issuance of new regulatory instructions governing electronic commerce activities in Iraq, impacting digital businesses and online platforms.

Key Regulatory Updates

• Issuance of official instructions related to the Electronic Commerce Regulation
• Instructions issued pursuant to Regulation No. (3) of 2025
• Circulation of an English-language version of the regulation
• Clarification of:
  • Regulatory requirements for electronic commerce
  • Required documentation
  • Application procedures for electronic merchant platforms

Scope of Application

• E-commerce platforms operating in Iraq
• Digital and online businesses offering goods or services
• FinTech companies engaging in digital trade activities
• Foreign companies providing online services to the Iraqi market

What Businesses Should Do

• Review the Electronic Commerce Regulation and related instructions
• Assess whether their activities fall within the scope of electronic commerce
• Prepare required documents and compliance information
• Align internal operations with digital business regulatory requirements

Alignment with Banking & FinTech / Digital Business Services

This update is directly relevant to FinTech operators, digital platforms, and online businesses. Our Banking & FinTech / Digital Business advisory services support clients with:

• Regulatory assessment of digital business models
• Compliance with electronic commerce and digital trade regulations
• Documentation preparation and regulatory filings
• Ongoing regulatory risk management for digital operations

As Iraq continues to strengthen its digital economy regulatory framework, proactive compliance with electronic commerce regulations is essential to ensure operational continuity and regulatory certainty.