<![CDATA[This study analyzes the legal vacuum in the regulation of cessie within Indonesian banking practices and formulates a legal reform model to achieve balanced legal certainty and protection. Using normative juridical research with statutory and conceptual approaches, this study examines Article 613, Article 1320, and Article 1338 of the Indonesian Civil Code, Law Number 10 of 1998 concerning Banking, and Law Number 21 of 2011 concerning the Financial Services Authority. The findings reveal that existing cessie regulations remain general and are unable to accommodate the complexity of modern banking transactions, resulting in legal uncertainty and insufficient debtor protection. The absence of specific rules governing transfer procedures, debtor rights, and supervisory mechanisms creates opportunities for abuse and imbalance between creditors and debtors. Therefore, legal reform is necessary through the establishment of more comprehensive banking-specific regulations, strengthened debtor notification requirements, enhanced debtor protection, and more effective regulatory supervision. Such reform is expected to provide greater legal certainty, justice, and balance in Indonesian banking practices.]]>
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