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BackLaw-to-kitchen
03 / Deep-dive

From a bill to your kitchen

Every tracked bill walks the same path — Parliament, regulators, industry, your home. Pick a bill to see the full chain: who does what, when it lands, and what it costs you.

16 tracked
Current legislation

Microfinance (Amendment) Bill, 2026

Tightens capital, governance and consumer protection rules for microfinance banks.

Bottom-line cost
Public input window closed (17 Jun 2026)
Sponsor
Departmental Committee on Finance & National Planning
Stage
With Committee
Affects
Microfinance bank customers, SACCO-linked lenders, small business borrowers.

Step 01

Parliament
Day 0 — Law signed

Raises minimum core capital for community microfinance banks.

Sponsored by Departmental Committee on Finance & National Planning. Introduced on 20 May 2026. At this stage, Parliament debates and votes on the bill. The text above is the headline change that survived the floor.

Introduced → Assent·~3–6 months
Impact metrics
Sponsor
Departmental Committee on Finance & National Planning
Introduced
20 May 2026
Current stage
With Committee
Key dates
Introduced in Parliament
20 May 2026
Stage: With Committee
Current
Finance Committee memoranda due 17 June 2026.
Next

Step 02

Regulators & Industry
Week 1–4

Caps total cost of credit disclosures for all microloans.

Once signed, regulators (KRA, CBK, line ministries) draft the rules that turn this clause into something companies must follow. Industry players adjust pricing, contracts and systems before the rules hit the public.

Week 1 → Week 4·~4 weeks
Impact metrics
Clause 1
Raises minimum core capital for community microfinance banks.
Clause 2
Caps total cost of credit disclosures for all microloans.
Clause 3
Empowers CBK to remove unfit directors of microfinance banks.
Key dates
Draft regulations gazetted
Week 1
Industry consultations begin
Week 2
Compliance rules finalised
Week 4

Step 03

Shops & Service Providers
Month 1–3

Affects Microfinance bank customers, SACCO-linked lenders, small business borrowers.

This is where the law leaves paper and starts touching transactions. Shops, banks, hospitals, schools and service providers update their tills, forms and fees. You start seeing it on receipts and payslips.

Month 1 → Month 3·~60 days
Impact metrics
Who feels it
Microfinance bank customers, SACCO-linked lenders, small business borrowers.
Media mentions
22 stories
Key dates
Systems & pricing updates roll out
Month 1
First receipts & payslips show changes
Month 2
Enforcement & spot-checks begin
Month 3

Step 04

Your Home
Month 3+

Finance Committee memoranda due 17 June 2026.

The final stop: your household budget, your phone, your kitchen. Finance Committee memoranda due 17 June 2026. Public sentiment so far: 31% against, 69% in support.

Month 3 → Ongoing·Permanent
Impact metrics
Public input window
Public input window closed (17 Jun 2026)
Sentiment against
31%
Sentiment for
69%
Key dates
Full effect on household budgets
Month 3
First impact review by Parliament
Month 6
Statutory annual review
Year 1

All tracked bills

16 of 16

A condensed view of every chain — expand any bill to see its full journey.