Legal Implications of Differences in Decisions in Settlement of Banking Consumer Disputes Based on Financial Services Authority Regulation Number 22 of 2023

Sopian Abdul Rohhim (Universitas Langlangbuana)
Imas Rosidawati Wiradirja (Universitas Langlangbuana)
Syahrul Machmud (Universitas Langlangbuana)

Formosa Journal of Applied Sciences (FJAS)
Vol. 4 No. 10 (2025): October 2025

The practice of resolving banking consumer disputes still often overlaps with the authority to adjudicate even though the resolution mechanism has been specifically regulated in the Service Authority Regulation Number 22 of 2023 concerning the Protection of Consumers and the Community in the Financial Services Sector, thus causing legal implications for the existence of Differences in Decisions in resolving banking consumer disputes. This research uses a normative juridical approach method, which is also called doctrinal law research. In this type of legal research, law is often conceptualized as what is written in laws and regulations (law in books) or law is conceptualized as a rule or norm that is a benchmark for human behavior that is considered appropriate, consisting of primary legal materials, secondary legal materials, and tertiary data. The government must update the Laws and Regulations in order to provide restrictions on ordinary consumers and banking consumers.