Bank Of Ghana Issues Implementation Framework For The Financial Inclusion For Persons With Disabilities Directive

In January 2025, the Bank of Ghana (BoG) issued the Financial Inclusion for Persons with Disabilities Directive (the FIPD Directive), marking a significant step towards inclusive financial services in Ghana. As discussed in our earlier briefing on the FIPD Directive, regulated financial institutions (RFIs) must ensure that persons with disabilities (PWDs) have reasonable and fair access to financial services and products. While the FIPD Directive established broad obligations concerning accessibility, non-discrimination, data collection, staff training and reporting, it did not prescribe a compliance timeline. On 20 April 2026, the BoG issued Notice No. BG/GOV/SEC/2026/10, setting out the implementation framework for the FIPD Directive (the FIPD Implementation Framework), which provides RFIs with specific timelines and guidance for achieving full compliance.