NDPA & CBN Compliance for Nigerian Fintechs

Nigeria's fintech
regulators are not
waiting on you.

We prepare NDPA Compliance Audit Reports and DPIAs with a licensed Data Protection Compliance Organisation, and get fintechs ready for CBN's 2026 enforcement wave across Open Banking, AML/CFT, and APP fraud rules. Fully done for you: mapped, documented, and ready to file.

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The Nigeria Data Protection Act 2023 and CBN's 2026 supervisory push are not optional reading. Blaecwood turns each requirement into a filed report and a documented control, so your team stays focused on the product instead of the paperwork.

₦10M
Maximum penalty for major importance data controllers
or 2% of gross revenue, whichever is greater
2023
Nigeria Data Protection Act in force
Annual audit report and DPIA now mandatory
2026
CBN's active enforcement wave
Open Banking · AML/CFT · APP fraud rules
NDPC
Filings must run through a licensed DPCO
Audit reports and DPIAs require sign-off

Data Protection

NDPA & DPCO Compliance

The Requirement

The Nigeria Data Protection Act 2023 requires every data controller or processor of major importance to file an annual Compliance Audit Report, and to complete a Data Protection Impact Assessment for high risk processing. Both must be prepared with a licensed Data Protection Compliance Organisation before they reach the Nigeria Data Protection Commission. Penalties for non-compliance reach ₦10,000,000 or 2% of gross revenue, whichever is greater.

01
Data Mapping and Gap Assessment
We review your data flows, consents, and retention against NDPA requirements, and flag every gap before the regulator does.
02
Compliance Audit Report
Full report prepared and filed with a licensed DPCO, meeting the NDPC's format and evidentiary standard.
03
DPIA for High Risk Processing
Documented impact assessments for any processing likely to affect data subject rights, ready before you launch it.
04
Policies and Consent Framework
Privacy policies, consent flows, and retention schedules rewritten to match what your product actually does.
05
Ongoing Filing Support
Renewal reminders and updated filings as your processing changes, so you never miss a filing window.
Filing Deadline
Annual Compliance Audit Report
Due every year for data controllers and processors of major importance under the NDPA.
How to Start

Book a call. We review your current data processing footprint and outline exactly what's required before your next filing.

Book a Call

Financial Regulation

CBN Regulatory Readiness

The Requirement

The Central Bank of Nigeria is moving through a 2026 enforcement wave across Open Banking participation, AML/CFT transaction monitoring, and the new APP fraud liability rules. Licensing and approval timelines are tightening, and fintechs without documented controls are losing months to back and forth with examiners.

01
Regulatory Gap Assessment
We map your current controls against CBN's Open Banking, AML/CFT, and fraud rules, and flag every exposure before an examiner does.
02
Open Banking Compliance
API participation requirements, consent, and data-sharing controls built to CBN's framework.
03
AML/CFT Automation
Transaction monitoring, suspicious activity reporting, and KYC controls documented and operating, not just written down.
04
APP Fraud Rule Readiness
Liability allocation, customer reimbursement processes, and fraud controls aligned to the new rules.
05
Licensing and Approval Support
Application packages, documentation, and examiner correspondence managed from submission to approval.
Start Here
Regulatory Readiness Review
We assess your current posture against CBN's active requirements and give you a clear list of what's outstanding before you file or renew.
How to Start

Book a call. We'll walk through your licensing stage and current controls, and map what CBN will expect next.

Book a Call

Why Blaecwood

Built to file,
not just advise.

Blaecwood extends the same done-for-you compliance model we run for fintechs in North America to NDPA and CBN requirements here. We are pursuing full accreditation as a licensed Data Protection Compliance Organisation with the Nigeria Data Protection Commission, so audit reports and DPIAs are prepared and filed under one roof.

Every engagement is led by practitioners with real security and regulatory audit experience, not templates repackaged for a new market.

Filed, not just advised Compliance audit reports and DPIAs prepared to submission standard

Two regulators, one team NDPA and CBN readiness run by the same practitioners

Fully done for you Data mapping, filings, and policy rewrites handled end to end

Built on real audit experience Same senior-led practice behind Blaecwood's SOC 2 work

Compliance that's
filed, not flagged.

Book a call. We'll map your NDPA and CBN requirements and tell you exactly what's outstanding before your next filing or examination.

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