The unorganized financial market, which includes non-bank credit institutions, Qarz-ul-Hasanah funds, exchange offices, and leasing, as one of the important components of the country's financial system, plays a key role in financing and monetary policies. Given the high volume of liquidity and the need to organize this market, the Central Bank is always trying to protect public deposits and establish stability and peace in the monetary and banking environment by conducting numerous inspections, designing supervisory systems, and holding periodic meetings. The purpose of this research is to identify and analyze the rules governing the unorganized monetary market and examine the challenges and problems in this area. Also, this research seeks to provide solutions to organize and improve the situation of this market. The results of this research, which was conducted using a descriptive-analytical research method, show that some of the existing problems are due to the lack of necessary infrastructure and the desire to expand institutions and funds. However the lack of transparency in laws and regulations and the weakness in monitoring the activities of these institutions have exacerbated existing problems.