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<loc>https://rom.mlaw.gov.sg/information-for-borrowers/advisory-for-borrowers-on-licensed-moneylending/</loc>
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<loc>https://rom.mlaw.gov.sg/advisory-on-scam-calls-impersonating-as-officers-from-the-ministry-of-law-cbs-or-the-mlcb/</loc>
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<loc>https://rom.mlaw.gov.sg/information-for-borrowers/guide-to-borrowing-from-licensed-moneylenders-english/</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/information-for-borrowers/list-of-licensed-moneylenders-in-singapore/</loc>
<lastmod>2026-03-31T03:50:15+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/information-for-borrowers/list%20of%20exempt%20moneylenders/</loc>
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<loc>https://rom.mlaw.gov.sg/other-services/</loc>
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<loc>https://rom.mlaw.gov.sg/information-for-moneylenders/</loc>
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<loc>https://rom.mlaw.gov.sg/information-for-moneylenders/relevant-laws-and-regulations/</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/information-for-moneylenders/anti-money-laundering-and-countering-the-financing-of-terrorism/</loc>
<lastmod>2026-03-31T03:50:15+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/information-for-moneylenders/reports-of-government-official-impersonation-scam-gois/</loc>
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<loc>https://rom.mlaw.gov.sg/information-for-moneylenders/moneylenders-credit-bureau/</loc>
<lastmod>2026-03-31T03:50:15+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/information-for-moneylenders/audit/</loc>
<lastmod>2026-03-31T03:50:15+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/information-for-moneylenders/forms-&amp;-templates/</loc>
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<loc>https://rom.mlaw.gov.sg/composition-and-penalties-payments/</loc>
<lastmod>2026-03-31T03:50:15+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/february-2025-fatf-statement/</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/february-2026-fatf-statement/</loc>
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<loc>https://rom.mlaw.gov.sg/june-2025-fatf-statement/</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/october-2025-fatf-statement/</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/fatf-publications-horizon-scan-on-ai-and-deepfakes-report-on-stablecoins-and-unhosted-wallets/</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/contact-us/</loc>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/faq/</loc>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/resource-room/subcategory-B/</loc>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/resource-room/subcategory-C/</loc>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/resource-room/</loc>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/</loc>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/privacy/</loc>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/search/</loc>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/terms-of-use/</loc>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/(Final)%20AUP%20report%20for%20Moneylenders.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/1.%20TF%20NRA.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/2022%20AUP.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/CPF_Best_Practice_Paper.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/Env_Crimes_ML_NRA_2024.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/Info%20Guide%202020%20for%20Moneylenders.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/MLTF_RA_Legal_Arrangements.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/MLTF_RA_Legal_Persons.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/Money_Laundering_National_Risk_Assessment_2024.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/NSCFT_2024.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/NotesAMLCFTROMbriefing16Oct20215.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/PF_NRA_Counter_PF_Strategy.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/Singapore_Law_Enforcement_Strategy_to_Combat_ML.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/Singapore_National_AML_Strategy.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/TFNRA_2024.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/Virtual_Assets_RA.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/horizon_scan_on_artificial_intelligence_and_deepfakes_fatf.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AMLCFT%20Documents/targeted_report_on_stablecoins_and_unhosted_wallets_fatf.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/AUP%20as%20at%20May%202022.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Additional_Guidance_Moneylender.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Advisory-Chinese-Tamil.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/Advisory-English-Malay.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/BG%20&amp;%20IG%20Format/BANKERSGUARANTEEFORMAT_01082017.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/BG%20&amp;%20IG%20Format/BG%20as%20at%20May%202022.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/DPCS%20Guidelines/Data_Protection_and_Cybersecurity_Guidelines.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/EDC_revisedannexA_02082017.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Exempt%20Moneylenders%20Lists/List_of_Exempt_Moneylenders_as_at_1_December_2025.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/Exempt%20Moneylenders%20Lists/List_of_Exempt_Moneylenders_as_at_1_February_2026.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Exempt%20Moneylenders%20Lists/List_of_Exempt_Moneylenders_as_at_1_January_2026.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Exempt%20Moneylenders%20Lists/List_of_Exempt_Moneylenders_as_at_1_March_2026.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Exempt%20Moneylenders%20Lists/List_of_Exempt_Moneylenders_as_at_1_November_2025.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Exempt%20Moneylenders%20Lists/List_of_Exempt_Moneylenders_as_at_1_October_2025.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Exempt%20Moneylenders%20Lists/List_of_Exempt_Moneylenders_as_at_1_September_2025.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/FORM_A___DEBT_CONSOLIDATION_SCHEME_ASSESSMENT_BY_SSA.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Form1%20-%20Note%20of%20Contract(Rule10%20of%20MLR).pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/Form1-NoteofContract(Rule10oftheMLR).pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Form_B___CAUTIONARY_STATEMENT_TO_BORROWER.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/InfoGuideforMoneylenders.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Licence%20Conditions/IT_Security_and_Cyber_Hygiene_Requirements_for_Licensed_Moneylenders.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Licence%20Conditions/Licence%20Conditions%20wef%2001%20April%202022%20.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Licence%20Conditions/Licence%20Conditions%20wef%201%20June%202022.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Licence%20Conditions/LicenceConditionswef29Mar2018.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Licence%20Conditions/Licence_Conditions_wef_19_February_2024.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Licence%20Conditions/Licence_Conditions_wef_1_Apr_2026.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/Licence%20Conditions/Licence_Conditions_wef_1_March_2024.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Licence%20Conditions/Licence_Conditions_wef_3_Nov_2025.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/ML%20Lists/List_of_Licensed_Moneylenders_as_at_1_December_2025.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/ML%20Lists/List_of_Licensed_Moneylenders_as_at_1_Febraury_2026.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/ML%20Lists/List_of_Licensed_Moneylenders_as_at_1_January_2026.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/ML%20Lists/List_of_Licensed_Moneylenders_as_at_1_March_2026.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/ML%20Lists/List_of_Licensed_Moneylenders_as_at_1_November_2025.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/ML%20Lists/List_of_Licensed_Moneylenders_as_at_1_October_2025.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/ML%20Lists/List_of_Licensed_Moneylenders_as_at_1_September_2025.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/MLCB_Infographic-9Feb22.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/MLCB_Infographic.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/NewCreditBureautoSupportPrudence.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Notes%20to%20Borrowers%20wef%2015%20Aug%202019.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PSH/PROFESSIONAL_SERVICE_HANDBOOK_v3_dated_1_Apr_2026.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PSH/PSH%202.2.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PSH/The%20Professional%20Service%20Handbook%20for%20licensed%20moneylenders%20V2.1.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/PSH/The%20Professional%20Service%20Handbook%20for%20licensed%20moneylenders%20V2.3.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PSH/The%20Professional%20Service%20Handbook%20for%20licensed%20moneylenders%20v2-4.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PSH/The%20Professional%20Service%20Handbook%20for%20licensed%20moneylenders%20v2.1.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PSH/The_Professional_Service_Handbook_for_licensed_moneylenders_V2_5__dated_14_May_2024_.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PSH/the%20professional%20service%20handbook%20for%20licensed%20moneylenders%20v2-5.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PSH/the%20professional%20service%20handbook%20for%20licensed%20moneylenders%20v25%20updated%2027%20nov%202023.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PamphletonborrowingwiselyChinese.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PamphletonborrowingwiselyEnglish.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PamphletonborrowingwiselyMalay.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/PamphletonborrowingwiselyTamil.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PosteronborrowingwiselyChinese.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/PosteronborrowingwiselyEnglish.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/PosteronborrowingwiselyMalay.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/PosteronborrowingwiselyTamil.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/ROMStats.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/ROM_Insolvency_related_Consequences_and_Offences_vF.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/Registrar&apos;s%20Directions/Advertising_Marketing_Directions_dated_1_Apr_2025.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
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<url>
<loc>https://rom.mlaw.gov.sg/files/Registrar&apos;s%20Directions/Registrar&apos;s-Directions-1-of-2019.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Registrar&apos;s%20Directions/Registrar&apos;sDirectionsNo.1of2017.pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Registrar&apos;s%20Directions/Registrar&apos;sDirectionsNo1of2016(26Jan2016).pdf</loc>
<lastmod>2026-03-31T03:48:54+00:00</lastmod>
</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/Registrar&apos;s%20Directions/Registrar_s_Direction__Notice_632_.pdf</loc>
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<loc>https://rom.mlaw.gov.sg/files/Registrar&apos;s%20Directions/Registrar_s_Direction_on_Motor_Vehicle_Loans_wef_6_Nov_2023.pdf</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/files/Registrar&apos;s%20Directions/Registrar_s_Directions_1_of_2026_ROM_vF.pdf</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/files/SingaporeNRAReport2013_24032015.pdf</loc>
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</url>
<url>
<loc>https://rom.mlaw.gov.sg/files/SkillsFuture_Employer_Awards_FAQ_2022.pdf</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/files/SkillsFuture_Fellowships_FAQ_2022.pdf</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/files/amlcft-newsletters/(LML)%20AMLCFT%20Newsletter%201%20of%202021.pdf</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/files/amlcft-newsletters/(LML)%20AMLCFT%20Newsletter%202%20of%202021.pdf</loc>
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<loc>https://rom.mlaw.gov.sg/files/amlcft-newsletters/2022%20AMLCFT%20Newsletter%20Issue%201.pdf</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/files/amlcft-newsletters/AMLCFT%20Newsletter%20Issue%201%20of%202020.pdf</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/files/list%20of%20red%20flag%20indicators.pdf</loc>
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<loc>https://rom.mlaw.gov.sg/files/page1.pdf</loc>
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<url>
<loc>https://rom.mlaw.gov.sg/resource-room/subcategory-A/</loc>
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