Many Crimes, Members Of The House Of Representatives Ask OJK To Remove Debt Collection Rules Using Debt Collectors

JAKARTA - Member of Commission III of the DPR Abdullah asked the Financial Services Authority (OJK) to remove the contents of the article in OJK Regulation Number 22 of 2023 concerning Consumer Protection and the Community in the Financial Services Sector.

The articles requested to be deleted are Article 44 paragraphs (1) and (2), which allows financial services actors to collect through third parties or debt collector/debt collector services.

Because according to Abdullah, debt collectors committed many violations in the field, namely collecting debts that were not in accordance with the rules, even committing criminal acts.

"I urge OJK to abolish the rules for financial services actors who may collect debts using the services of third parties," Abdullah said, Friday, October 10.

"The reason is that the practice in the field is not in accordance with the rules and in fact there are many criminal acts, I also encourage this debt problem to be resolved civilly," continued the PKB legislator.

Abdullah then revealed several debt collector events that committed criminal acts. Such as the debt collector case that threatened the police when they wanted to withdraw the car in Kelapa Dua District, Tangerang Regency on Thursday, October 20, evening.

A debt collector with the initials L (38), threatened to beat the police. The perpetrator has now become a suspect and is being held at the Tangerang Police Station.

There was also an incident in Tempel Grogol Field, Sukuharjo, Central Java on Thursday, October 2 where a debt collection car was filled with stones by residents when they wanted to pull a car in a residential area. The impeachment action was due to a debt collection car speeding up in residential areas and causing a commotion that disturbed residents.

"Well, the violations committed by these debt collectors have been complained a lot," Abdullah said.

Meanwhile, data from the OJK for the period from January to June 13, 2025, there were 3,858 complaints related to debt collection by third parties that did not comply with the provisions. In addition, Abdullah said, debt collectors are also strongly suspected of committing many crimes, ranging from threats, violence and embarrassing.

"But my question is, how many financial service companies have been given administrative sanctions or even criminal sanctions?" he said.

Abdullah also encouraged the resolution of this debt problem to be resolved through civil law. In this way, according to him, the risk of other violations such as criminal acts is relatively small and can be minimized.

Through civil data, financial services companies must follow the existing mechanisms. Starting from billing, guaranteeing, to confiscation. Those who are in debt or debtors, if they are unable to pay will also be blacklisted or blacklisted nationally through the Bank Indonesia Financial Information Service System (SLIK) or OJK," he explained.

Abdullah explained that this proposal refers to the legal and human rights perspectives that protect consumers as vulnerable parties. However, debt collection is also the right of creditors or financial services actors to be respected.

"Therefore, once again I emphasize, a civilized state of law does not measure the success of law enforcement from how many people are forced to pay debts, but from how far human rights are respected in that process," he concluded.