SCUML is a regulatory body in Nigeria that oversees certain non-financial businesses to prevent money laundering.
What is SCUML?
SCUML stands for the Special Control Unit against Money Laundering. It is a subsidiary of the Economic and Financial Crimes Commission (EFCC) in Nigeria. SCUML’s main role is to regulate and monitor certain types of businesses—called Designated Non-Financial Businesses and Professions (DNFBPs)—to prevent money laundering and related crimes.
Who Needs a SCUML Certificate?
Not every business in Nigeria needs a SCUML certificate. Only specific categories of businesses, known as DNFBPs, are required by law to obtain one. These are typically businesses that handle large sums of money but are not part of the traditional financial sector (like banks or capital market operators).
The following businesses are designated to require a SCUML certificate in Nigeria.
Designated Non-Financial Businesses and Professions (DNFBPs)
These are the types of businesses and service providers that must obtain a SCUML certificate:
Dealers in Jewelries
Car Dealers
Dealers in Luxury Goods
Chartered Accountants
Audit Firms
Tax Consultants
Clearing & Forwarding Companies
Legal Practitioners
Hotels
Casinos
Supermarkets
Dealers in Precious Stones and Metals
Law Firms & Notaries
Accountants and Accounting Firms
Trust and Company Service Providers
Real Estate Agents
Mortgage Brokers
Hotels and Travel Agencies
Consultants & Consulting Companies
Construction Companies
Importers and Dealers in Automobiles
Mechanized Farming Companies
Pool Betting and Lottery Operators
Dealers in High Value Goods
If your business falls into any of these categories, you are legally required to register with SCUML and comply with its regulations.
If your business is not listed among the required categories, you should seek legal advice before applying for a SCUML certificate—or if you already have one, about deregistering.
What Happens After You Get a SCUML Certificate?
Getting a SCUML certificate is just the beginning. Once you have it, your business must comply with ongoing regulatory obligations. SCUML conducts compliance examinations to ensure that businesses are following the rules. These checks can happen at any time, and failing them can result in penalties or even criminal prosecution.
How to Register for SCUML
Visit the SCUML Registration Portal
Go to the official SCUML registration page: https://portal1.scuml.net/registrationguideline.php
Review the Registration Guidelines
Carefully read the registration guidelines provided on the portal before proceeding.
Prepare Required Documents
The specific documents required may vary by business type, but generally include:
Certificate of Incorporation (CAC)
Tax Identification Number (TIN)
Company profile
Details of directors and beneficial owners
Other relevant business documents
Complete the Online Registration Form
Fill out the registration form with accurate business information and upload the required documents.
Submit Your Application
After completing the form and uploading documents, submit your application online.
Wait for Processing
SCUML will review your application and, if approved, issue your certificate. SCUML certificates are issued free of charge.