Consumer and Community Protection in the Banking Financial Services Sector
Keywords:
Consumer Protection; , Society; , Financial Services Institutions;, Dispute Resolution.Abstract
The purpose of this study is to find and discover new legal theories and norms related to the legal protection of consumers and society in the banking financial services sector; the role of the state in contributing to the legal protection of consumers and society in the banking financial services sector, and the resolution of disputes between financial service actors and consumers of banking financial services who are harmed. The method used in this study is Normative legal research using a conceptual approach, legislation, by conducting a literature study. The legal materials obtained are analyzed using qualitative analysis methods. The role of the Financial Services Authority is not limited to facilitating consumer protection, which accommodates and becomes a mediation institution, but also becomes an institution that takes sides with consumers in the form of legal defense activities, the forms of protection carried out by the Financial Services Authority include efforts to prevent violations and restore consumer rights if there is a loss experienced by consumers. The resolution of disputes between financial service actors and consumers of banking financial services is carried out by the Indonesian Banking Dispute Resolution Alternative Institution (LAPSI). LAPSI in dealing with consumer complaints of financial services in the banking sector is required to have three types of dispute services, namely: mediation, adjudication and arbitration. In mediation services, LAPSI has two types of banking services, namely free dispute resolution services with the condition that for customers who are harmed a maximum of IDR 500,000,000, - and commercial services for compensation for customers who are harmed above IDR 500,000,000, -. In this service, the plaintiff can choose one or two mediators as intermediaries in resolving the dispute.
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