<![CDATA[This study examines how Indonesian Instagram users respond to the ratification of the Law on the Development and Strengthening of the Financial Sector (PPSK Law) through the #UUPPSK hashtag as a site of digital public discourse on financial regulation. Using a netnographic approach, the study analyses how users express, negotiate, and contest meanings surrounding the PPSK Law through captions, comments, hashtags, and visual elements. The dataset consists of 53 public Instagram posts and 1,024 associated comments published between 15 December 2022 and 16 May 2023, selected from an initial pool of 180 #UUPPSK posts using explicit inclusion and exclusion criteria. The analysis identifies three interconnected thematic patterns: reform and stability, protection and financial literacy, and authority and contestation. Supportive discourse commonly constructs the PPSK Law as a means of strengthening the financial system, protecting consumers, and improving public financial literacy. These meanings are reinforced through affirmative expressions, recurring institutional frames, and visual symbols associated with progress, security, and state authority. Conversely, critical posts and comments raise concerns regarding the concentration of regulatory power, limited public participation, and possible disadvantages for smaller financial institutions. The findings show that the #UUPPSK stream is not merely a venue for expressing approval or rejection; it is a digital space in which legal meaning is constructed through expressive comments, symbolic visual communication, and limited deliberative exchanges. The study contributes to socio-legal and digital communication research by demonstrating how Instagram mediates public interpretations of financial-sector legal reform.]]>
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