Reconstruction of Criminal Law Protection Policy for Credit Consumers Based on Financial Technology Eko Raharjo 1 , Emilia Susanti 2 {eko.raharjo3@gmail.com 1 , amild.wantara@gmail.com 2 } Faculty of Law University of Lampung, Indonesia 12 Abstract. The development of fintech online loan business is currently growing rapidly in Indonesia. The use of online-based loans has become a breakthrough in economic development in Indonesia by providing easy loan services, but on the other hand fintech costumers are vulnerable to become victims of cybercrime such as threats, intimidation, fraud and misuse of personal data. The Efforts to protect costumers from organizing online loans based on POJK No. 1 / POJK.07 / 2013, POJK No. 77 / POJK.01 / 2016, and SEOJK Number 18 / SEOJK.02 / 2017. Therefore an ideal construction is needed in the protection of criminal law for fintech customers. This type of research is normative juridical and empirical juridical involving Lampung Financial Services Authority, Lampung Regional Police, and Lampung DISKOMINFO. The results of this study in the perspective of legal reform need to be made legal protection regulations provided to fintech costumers which include preventive legal protection and repressive legal protection based on the 2013 POJK and 2016 POJK as well as regulations related to the implementation of online-based fintech loans because they cannot currently provide protection maximum in the aspect of protection of criminal law so that it is necessary to make a special legislation policy that regulates related to the protection and implementation of fintech and the need for supervision that is carried out integrally by related agencies such as the Authority, KOMINFO, Police against illegal fintech. Keywords: Policy; Protection; Criminal Law; Fintech Consumers; Financial Technology 1 Introduction Technological developments have an impact on the higher economic growth in a country. . One form of economic progress as a result of technological developments is the development of online-based financial business (financial technology). Digital economic developments led to service innovations in various fields, one of them is the business of lending and borrowing money based on financial technology (PM-Tekfin). Based on the NDRC (The National Digital Research Center) Fintech is an innovation in the financial sector that gets a touch of technology and brings a more practical and secure financial transaction process . The fintech business presents payment system services which include lending and borrowing services between parties in the community and public capital services. The fintech payment business is regulated and supervised by Bank Indonesia (BI), while the fintech lending and capital fintech business is overseen by the Financial Services Authority (OJK). Bank Indonesia (BI) classifies fintech into 4 categories, namely: (1) Payment, settlement, and clearing, is the fintech category that provides payment system services performed by banks and BI. (2) Market aggregator, is fintech that presents financial data so that users can use it as I-COFFEES 2019, August 05-06, Lampung, Indonesia Copyright © 2021 EAI DOI 10.4108/eai.5-8-2019.2308588