Singapore property agent compliance —
CEA registration, CPD, ethics and enforcement.
Nine guides covering everything a CEA-registered real estate salesperson needs to stay compliant: registration and annual renewal, the 16-hour CPD framework, the Code of Ethics (CEPCC), AML/CDD obligations under the PMLFT Regulations, commission rules, the CEA-MAS boundary between estate agency work and regulated financial advice, and 2025–2026 disciplinary enforcement. Every guide draws on official CEA and MAS sources.
CEA-Verified Property Agents in Singapore: What Buyers Need to Know
How to verify a property agent in Singapore, what CEA registration means, current penalty maxima for unregistered salespersons, and the red flags that expose unlicensed practice.
Read the CEA verification guide →Agent guide · CEA complianceCEA Registration Renewal Singapore: CPD Requirements and Renewal Guide (2026)
The complete renewal playbook — the October–November window, the 16-hour CPD requirement, fit-and-proper criteria, the renewal fee schedule, and the consequences of letting your registration lapse.
Read the CEA renewal guide →Agent guide · CEA compliance · 2026 renewalCEA Registration Renewal Checklist 2026: Deadlines, CPD, Fees and Fit-and-Proper Criteria
A practical checklist for the 2026 RES renewal cycle — the CPD confirmation gate, fit-and-proper criteria, the S$230/S$115 fee schedule, and the ongoing criminal record disclosure obligation.
Read the 2026 renewal checklist →Agent guide · CEA compliance · 2026CEA CPD Requirements 2026: Training Hours, Structured Learning and Project ADEPT
The 16-hour CPD framework in full — 12 Structured + 4 Self-Directed, the January–December cycle, Prescribed Essentials, and how Project ADEPT raises the bar to 24 hours.
Read the CPD guide →Agent guide · CEA compliance · Code of EthicsCEA Code of Ethics (CEPCC) Explained: Duties, Co-Broking and Conflict of Interest Rules for Singapore Agents
Core duties to clients, the co-broking obligation, what counts as a conflict of interest, and how CEA applies the CEPCC in disciplinary proceedings.
Read the Code of Ethics guide →Agent guide · AML compliance · July 2025AML and CDD Requirements for Singapore Property Agents 2026
The strengthened PMLFT Regulations effective 1 July 2025 — per-breach penalties, unrepresented counterparty CDD, and the five-year records rule, with a Standard CDD checklist and Enhanced CDD red flags.
Read the AML/CDD guide →Agent guide · Commission rulesProperty Agent Commission Singapore: Rules, Rates, and Disputes (2026)
Why commission rates are not fixed, the SEAA Best Practice Guide, Estate Agency Agreement requirements, co-broking splits, and referral fee rules.
Read the commission guide →Agent guide · CEA-MAS boundary · Nov 2025What Singapore Property Agents Can and Cannot Say About Money: The CEA-MAS FAA Boundary
Where the Estate Agents Act ends and the Financial Advisers Act begins — what agents can and cannot say about investment returns, mortgages, and CPF.
Read the FAA boundary guide →Agent guide · Enforcement · Public RegisterCEA Disciplinary Cases 2025–2026: What Singapore Property Agents Were Sanctioned For
Key disciplinary cases from 2025–2026 — forgery and CDD failures, money-laundering-linked enforcement, CPD proxy fraud, and agency-level censure — plus the June 2026 Public Register update.
Read the disciplinary cases guide →Frequently asked questions
Who needs to register with CEA to work as a property agent in Singapore?
Anyone who carries out estate agency work in Singapore — marketing, negotiating, or facilitating a property sale, purchase, or lease for a client in exchange for a fee — must be registered with the Council for Estate Agencies (CEA) as a registered real estate salesperson (RES) attached to a licensed estate agency. Practising without registration is a criminal offence with significant penalty maxima.
How often do Singapore property agents need to renew their CEA registration?
CEA registration is renewed annually, with the main renewal window running through October and November each year. Renewal requires having completed the required CPD hours for the cycle and continuing to meet fit-and-proper criteria; renewing after the window closes does not avoid these requirements.
How many CPD hours must a Singapore property agent complete each year?
Registered real estate salespersons must complete 16 hours of Continuing Professional Development (CPD) each cycle — 12 hours of Structured CPD and 4 hours of Self-Directed CPD — covering Prescribed Essential topics set by CEA. Agencies and key personnel under Project ADEPT face a higher 24-hour requirement.
Can a property agent in Singapore give advice on mortgages, investment returns, or CPF usage?
Property agents operate under the Estate Agents Act, not the Financial Advisers Act (FAA), which is administered by MAS. Agents can discuss property-related facts — such as listed mortgage rates or CPF usage limits that affect a transaction — but cross into FAA territory if they recommend specific financial products or characterise expected investment returns, which requires separate FAA licensing.
What happens if a property agent breaches the CEA Code of Ethics?
A breach of the Code of Ethics and Professional Client Care (CEPCC) is a statutory breach that CEA Disciplinary Committees can act on directly, with penalties ranging from fines to suspension or deregistration depending on severity. Since June 2026, enforcement actions are visible on CEA's enhanced Public Register on a rolling three-year basis.
Where can I check if a Singapore property agent has a disciplinary record?
CEA maintains a Public Register that lists registered salespersons and, since its June 2026 enhancement, displays disciplinary enforcement actions taken against them on a rolling three-year basis. Buyers and sellers can search the register directly on the CEA website before engaging an agent.
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This hub is maintained by Straits Intelligence Pte. Ltd. (UEN 202615220E). Published for informational purposes only — not legal or regulatory advice. Consult CEA or a lawyer for guidance specific to your situation. Last reviewed: 19 June 2026 · All guides