<![CDATA[Dary Abiyyu, Dr. Sihabudin, S.H., M.H. , Shanti Riskawati, S.H., M.Kn. Fakultas Hukum Universitas Brawijaya Email : abiyyuyu@gmail.com ABSTRAK Penelitian ini bertujuan untuk menganalisis bentuk perlindungan hukum bagi nasabah kartu kredit terhadap kegiatan jual beli data pribadi oleh pihak terafiliasi. Kegiatan jual beli data pribadi secara bebas ini sangat berbahaya, karena berpotensi menimbulkan tindak kejahatan, salah satu contohnya adalah pembobolan kartu kredit. Undang Undang Nomor 10 Tahun 1998 tentang Perbankan tidak secara lengkap mengatur perlindungan atas data pribadi nasabah kartu kredit, Sehingga dapat menimbulkan ketidakpastian hukum atas perlindungan data pribadi bagi nasabah kredit perbankan. Berdasarkan hal itu, penelitian merumuskan apa bentuk perlindungan hukum bagi nasabah kartu kredit terhadap kegiatan jual beli data pribadi. Adapun jenis penelitian yang digunakan adalah penelitian yuridis normatif dengan menggunakan pendekatan perundang-undangan. Bahan-bahan hukum yang diteliti diperoleh melalui penelusuran kepustakaan yang dianalisis dengan metode interpretasi gramatikal. Berdasarkan analisis dalam penelitian ini, maka diperoleh hasil bahwa bentuk perlindungan hukum data pribadi bagi nasabah kartu kredit adalah berupa undang-undang dan perjanjian kredit antara bank dengan nasabah kartu kredit yang mengatur klausula penggunaan data pribadi nasabah kartu kredit. Perlindungan hukum yang berdasarkan undang-undang meliputi Undang-Undang No. 10 Tahun 1998 tentang perbankan, Peraturan Bank Indonesia Nomor 16/1/PBI/2014 tentang Perlindungan Konsumen Jasa Sistem Pembayaran, Peraturan Otoritas Jasa Keuangan Nomor 1/POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan, dan Undang Undang Nomor 11 Tahun 2008 tentang Informasi dan Transaksi Elektronik, serta Peraturan Menteri Komunikasi dan Informatika Nomor 20 Tahun 2016 tentang Perlindungan Data Pribadi dalam Sistem Elektronik Kata Kunci : Nasabah Kartu Kredit, Perlindungan Hukum, Data Pribadi  ABSTRACT This research is aimed to analyse the form of legal protection for credit card consumers over personal data trafficking by affiliated parties. This situation is deemed dangerous since it potentially leads to crime such as credit card hacking. Law Number 10 of 1998 concerning Banking does not fully regulate the protection of personal data of the consumers of credit card, causing lack of legal certainty regarding the legal protection that should be provided for the parties concerned. Embarking from this issue, this research is aimed to seek into the type of legal protection that should be provided for credit card consumers over personal data trafficking. This research was conducted based on normative juridical methods with statute approach. The legal materials were obtained from library research, followed by grammatical interpretation analysis. The research learns that the legal protection provided is in the form of Law and credit contract between bank and its credit card clients, in which the clause concerning the use of personal data of credit card consumers is regulated. The legal protection based on the Law involves Law Number 10 of 1998 concerning Banking, Regulation of Bank Indonesia Number 16/PBI/2014 concerning Protection for Consumers of Payment System Services, the Regulation of Financial Services Authority Number 1/POJK.07/2013 concerning Protection for Consumers of Financial Services Sector, and Law Number 11 of 2008 concerning Electronic Information and Transactions, and the Regulation of Minister of Communication and Informatics Number 20 of 2016 concerning Protection of Personal Data in Electronic System. Keywords: credit card consumers, type of legal protection, personal data]]>
