Chad: technology regulation at a glance

Framework: COBAC Decision D-2022/071 (May 6, 2022); BEAC monetary policy; CEMAC Financial Market Regulation (as amended); no Chad-specific national crypto law

Chad, as a CEMAC member state, falls under BEAC monetary oversight and COBAC banking supervision. COBAC Decision D-2022/071 (May 2022) prohibits all regulated financial institutions, banks, microfinance institutions, and payment service providers, from holding, exchanging, or facilitating any cryptocurrency transactions. No licensing framework for virtual-asset service providers exists; BEAC does not recognise crypto as legal tender; and a harmonised CEMAC sub-regional crypto-asset regulatory framework was under active development with IMF support as of early 2025, with publication expected later that year.

Framework: No dedicated AI law exists; AI governance is being addressed through a broader digital legal reform process led by the Ministry of Telecommunications, Digital Economy, and Digitalization of Administration (ARCEP as sectoral regulator)

Chad has no dedicated AI legislation or formal AI guidelines in force. In April 2026, the government installed a 34-member reform committee with a 45-day mandate to draft a modernised digital legal framework explicitly covering AI, cybersecurity, data protection, and cloud computing, signalling that AI regulation is at the pre-legislative drafting stage. Existing digital law rests on a 2014 electronic-communications statute (amended October 2025) and sector-specific decrees, none of which address AI directly.

Framework: Act No. 007/PR/2015 on the Protection of Personal Data (10 February 2015), implemented by Decree No. 075/PR/2019 (21 January 2019); supervised by the Agence Nationale de Sécurité Informatique et de Certification Électronique (ANSICE)

Chad enacted a comprehensive personal data protection law in 2015 (Act No. 007/PR/2015), supplemented by an implementing decree in 2019. The supervisory authority, ANSICE, was established in parallel under Act No. 006/PR/2015 and became fully operational in 2020. The law establishes data subject rights and controller/processor obligations broadly analogous to those found in African Union-model data protection frameworks.

Framework: Regional CEMAC framework: Regulation No. 04/18/CEMAC/UMAC/COBAC (21 Dec 2018) on payment services, plus COBAC Regulations R-2019/01 (licensing) and R-2019/02 (prudential standards). Supervised by the Bank of Central African States (BEAC) as monetary authority and the Central African Banking Commission (COBAC) as prudential supervisor. Chad applies this directly as a CEMAC member state.

As a CEMAC member, Chad applies a uniform, in-force regional licensing regime for payment institutions and electronic money rather than a separate national law. Regulation 04/18 and its COBAC implementing texts require any payment-service or e-money provider to be authorised before operating, with BEAC/COBAC issuing licences; Chad already hosts licensed providers such as Mobile Commerce Tchad S.A. Regional interoperability runs through GIMAC/GIMACPAY, while there is no dedicated open-banking mandate or specific BNPL regulation.

Framework: Chadian Labour Code (Code du Travail) and National Office for Employment Promotion (ONAPE) employer-sponsorship regime; Ministry of Interior for residence permits

Chad offers no dedicated digital nomad or remote-work visa, and no investment-based golden visa program. Long-stay authorisation for foreign nationals is exclusively employer-sponsored: a Chadian employer must first obtain work authorisation from ONAPE before a foreigner can receive a work permit and residence card. Independent remote workers employed by foreign companies have no clearly defined legal pathway for extended stays.

Framework: Law No. 009/PR/2015 on Cybersecurity and Cybercrime; National Agency for Computer Security and eCertification (ANSICE); ARCEP (telecoms regulator)

Chad operates under a fragmented 2015-era digital legal package covering cybercrime, personal data, and e-transactions, with no comprehensive online-safety or platform-content-moderation law comparable to the EU DSA or UK OSA. ANSICE's mandate was significantly expanded by reform approved in 2024 to explicitly cover social media platforms, digital services, and AI systems. The government has a documented pattern of episodic but severe internet restrictions, including a 16-month social media blackout (2018-2019) and targeted Starlink shutdowns in displaced-persons camps in 2025.

Framework: Ordinance No. 008/PCMT/2022 on Cybersecurity; Ordinance No. 007/PCMT/2022 on Cybercrime and Cyber Defence; National Agency for Information Security and Electronic Certification (ANSICE)

Chad has a dedicated national cybersecurity legal framework built on a 2015 foundation (Law No. 009/PR/2015) subsequently modernised by three presidential ordinances in August 2022, separating cybercrime, cybersecurity, and the mandate of ANSICE into distinct instruments. The National Transition Council ratified these ordinances in December 2022, giving them full legislative force. No mandatory breach-notification obligation exists under current law, and Chad is developing a national cybersecurity strategy and a consolidated digital code to further modernise the framework.

Framework: OHADA Uniform Act on Commercial Companies and Economic Interest Groups (AUSCGIE); Chad National Investment Charter (2008); ANIE (Agence Nationale des Investissements et des Exportations) one-stop shop

Chad operates within the OHADA regional legal framework, which standardises company formation across 17 member states. The government has centralised registration through the ANIE one-stop shop (Guichet Unique de Création des Entreprises), which legally processes registrations in 72 hours, though practical timelines run 7-15 working days. Foreigners may own 100% of a company in most sectors, but broader infrastructure deficits and administrative capacity constraints place Chad in the bottom quintile of the World Bank's B-READY business environment assessment.