Kewenangan BPSK Medan Dalam Memeriksa Sengketa Konsumen Jasa Keuangan Pasca Dibentuknya Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan Berdasarkan POJK No.61/07/2020

Abstract

POJK No. 61/POJK.07/2020 concerning Alternative Dispute Resolution Institutions (LAPS) for the Financial Services Sector which is a refinement of POJK Number 1/POKJK.07/2014 was issued in order to realize a more effective and efficient LAPS for the financial services sector, as well as responding to technological developments, financial products and services that are increasingly complex and across the financial services sector. However, the presence of LAPS- SJK is often suspected as a form of lex specialis from BPSK to handle disputes specifically between financial services business actors (PUJK) and consumers of the financial services sector. In this regard, this research is intended to analyze more deeply the role of the Financial Services Authority in providing protection to consumers in the financial services sector, legal certainty in resolving consumer disputes in the financial services sector by BPSK, and the issue of BPSK's authorityto resolve disputes in financial services after the formation of POJK No.61 /07/2020. This research is a normative legal research (normative juridical). The data used is secondary data collected by using library research techniques. All data were analyzed by qualitative data analysis method. Based on this research, it is concluded that BPSK is not authorized to settle disputes in the financial services sector after the establishment of POJK No. 61/07/2020. This is because the BPSK formulated by the UUPK has general authority regarding the settlement of consumer disputes related to goods and/or services, while the Financial Services Sector LAPS established by the OJK can only resolve disputes in certain service sectors, namely financial services.