<![CDATA[The rapid development of digital technology has significantly accelerated the growth of financial technology (fintech), particularly in the online lending sector, which has become increasingly popular among Indonesian society. Easy access, fast disbursement processes, and relatively simple requirements make this service an alternative financing option outside conventional financial institutions. However, behind these conveniences, various legal issues arise that may harm consumers, such as lack of information transparency, high interest rates, misuse of personal data, and debt collection practices that do not comply with legal standards. This study aims to analyze consumer protection in fintech-based online lending services in Indonesia and to examine the role of regulations in providing legal certainty for service users. The research applies a normative legal method using statutory and conceptual approaches. The legal materials consist of legislation, scientific journals, and other relevant literature related to consumer protection issues. The findings indicate that consumer protection has been regulated under consumer protection laws, Financial Services Authority regulations, and personal data protection provisions; however, its implementation still faces significant challenges, particularly regarding illegal online lending practices. Therefore, stronger supervision, improved public digital literacy, and more effective law enforcement are necessary to ensure consumer rights are properly protected.]]>
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