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Bank Indonesia's Consumer Protection is an effort by Bank Indonesia to ensure legal certainty in providing protection to consumers.

BI Consumer Protection Objectives

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Creating a Consumer Protection ecosystem that creates legal certainty as well as effective and efficient complaint handling and dispute resolution

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Growing the Organizer's awareness regarding responsible business behavior, fair treatment, providing protection of consumer assets, privacy and data, as well as improving the quality of the Organizer's products and/or services

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Increase Consumer awareness, ability and independence regarding the Organizer's products and/or services and increase Consumer empowerment

BI Consumer Protection Coverage

Cakupan Pelindungan  

Operator in the Payment System Sector

Debit/ATM cards, credit cards, electronic money, checks or demand deposits, electronic wallets, fund transfers and various payment transactions, both cash and non-cash.

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Money Service Activity Organizer (KLU)

Foreign exchange services or Non-Bank Foreign Exchange Business Activities (KUPVA BB) and other Money Service Activities.

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Cakupan Pelindungan  
Cakupan Pelindungan  

Money Market and Foreign Exchange Market Players

Commercial Securities (SBK), Certificates of Deposit and other products or services.

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Other parties included in the list of licensed organizers by Bank Indonesia.

Cakupan Pelindungan  

Consumer Protection Framework Post Issuance of
PBI Consumer Protection No. 3 of 2023

 

Rules and Policies Used in BI Consumer Protection

Law No. 4 of 2023 on the Development and Strengthening of the Financial Sector

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Bank Indonesia Regulation No.3 of 2023 about Bank Indonesia Consumer Protection

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Bank Indonesia Regulation no. 3 of 2024 about Alternative Dispute Resolution Institutions in the Financial Sector

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Undang-Undang No.27 of 2022 about Personal Data Protection

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Board of Governors Member Regulation No. 20 of 2023 about Procedures for Implementing Bank Indonesia Consumer Protection

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Penalties for Organizers Who Break the Rules

Administrative sanctions will be given to organizers if they do not comply with applicable Consumer Protection rules and regulations.

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Written warning

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Restrictions on products and/or services and/or business activities in part or in whole

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Freezing of products and/or services and/or business activities in part or in whole

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Dismissal of management

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Administrative fines

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Revocation of product and/or service permits

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Revocation of business license

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