SACCOs, Cooperative Societies & Financial Regulation
At Miller & Company Advocates, we offer exceptional expertise in the legal and regulatory framework governing Savings & Credit Cooperative Organizations (SACCOs) and cooperative societies. With extensive experience supporting financial institutions across Kenya, we provide comprehensive legal solutions that strengthen governance, protect member interests, and ensure full compliance with evolving regulatory requirements.
SACCO Law governs the establishment, management, and operations of cooperative financial institutions. This includes governance, regulatory compliance, credit management, membership rights, dispute resolution, and the duties of management and supervisory committees. In Kenya, SACCOs operate under the SACCO Societies Act, 2008, the Cooperative Societies Act, SASRA Regulations, and various sector-specific guidelines.
- Regulatory Compliance & Licensing (SACCO Societies Act, SASRA, Cooperative Societies Act)
- Governance Advisory for Boards, Management & Supervisory Committees
- Drafting and Reviewing By-laws, Policies & Governance Instruments
- Contract Drafting & Commercial Agreements
- Debt Recovery, Credit Enforcement & Security Perfection
- Employment & HR Advisory for SACCO Staff and Management
- Member Dispute Resolution and Internal Conflict Management
- Risk Management & Legal Compliance Audits
- Training & Capacity Building for Boards, Credit Committees & Supervisory Committees
- Data Protection & ICT/Fintech Compliance
- Financing Transactions, Loan Book Structuring & Security Documentation
- Procurement Advisory & Tender Compliance
- Litigation and Arbitration for SACCO-Related Disputes
- Advisory on Mergers, Consolidation & Restructuring
- Regulatory Representation before SASRA and the Commissioner for Cooperatives
- Digitization & Core Banking Systems
- Strengthening Governance Requirements
- Loan Recovery Innovations
- Capital Adequacy & Risk-Based Supervision
- Sustainable & Green Financing
- Cross-Border Cooperative Investments
- SACCO Mergers & Consolidations
At Miller & Company Advocates, we are committed to strengthening Kenya’s cooperative movement. With our broad client base — including some of the country’s most influential SACCOs — and our sector-leading expertise, we deliver legal solutions that drive stability, compliance, and sustainable growth.