A buyer pays AED 60,000 of a freehold purchase in physical cash. What must the broker file on goAML?

1. Nothing, cash is legal
2. A Real Estate Activity Report (REAR)
3. A Form U
4. An Ejari cancellation

You filed a suspicious transaction report about a client. The client asks why the deal is delayed. What can you say?

1. Tell them about the report so they can explain
2. Forward them a copy of the report
3. Say the bank is investigating them
4. Nothing about the report: tipping off is an offence

Under the UAE telemarketing rules in force since August 2024, when may you make marketing calls?

1. 8 am to 10 pm, any number
2. Any time if the lead came from a portal
3. 9 am to 6 pm, from company numbers, at most one call a day
4. 9 am to 9 pm from your personal mobile

Which authority supervises Dubai real estate brokers for anti-money laundering (AML) compliance?

1. The federal Ministry of Economy (renamed Ministry of Economy and Tourism in 2025)
2. The UAE Central Bank
3. Dubai Police
4. The developer's escrow bank

For how long must a brokerage keep client due diligence and transaction records under UAE AML rules?

1. 1 year
2. 2 years
3. At least 5 years
4. Until the title deed is issued

A corporate buyer refuses to tell you who its beneficial owners are. What should the brokerage do?

1. Proceed, since companies are low risk
2. Proceed if they pay by cheque
3. Decline the transaction and file an STR if suspicion arises
4. Ask the developer to do the checks instead

What did DLD do when companies were found advertising without permits, faking permit numbers or using expired permits?

1. Only sent friendly reminders
2. Fined them, with fines starting at AED 50,000, and warned licence cancellation for repeat cases
3. Blocked their Ejari access
4. Charged the property owners

You post on Instagram a photo of happy buyers at a handover, without their permission. What does UAE cybercrime law say?

1. It is fine if the photo was taken in public
2. It is fine if you tag your agency
3. It is only a civil matter for the developer
4. It can breach privacy, with fines of AED 150,000 to 500,000 and/or jail

Which law now governs anti-money laundering in the UAE?

1. Federal Decree-Law 10 of 2025, which replaced Decree-Law 20 of 2018
2. Federal Decree-Law 20 of 2018, unchanged
3. Dubai Law 26 of 2007
4. Federal Decree-Law 34 of 2021

Sanctions screening shows your buyer matches a name on the UAE Local Terrorist List. What must you do?

1. Ask the buyer for an explanation, then decide
2. Freeze the funds without delay and without notifying the buyer, then report
3. Finish the deal but charge no commission
4. Only note it in the CRM