Penggelapan Uang Elektronik: Ancaman, Sanksi, dan Peran Regulasi dalam Perlindungan Konsumen
Keywords:
electronic money laundering, law number 8 year 2010, prevention of money laundering, regulation, consumer protection, digital financial services, bank indonesia, financial services authority, criminal sanctions, complaint handling mechanism, consumer education, industry involvementAbstract
The regulation of the crime of electronic money laundering in Indonesia involves various laws, with the main focus on Law Number 8 Year 2010 on the Prevention and Eradication of Money Laundering (PPTPU Law). In addition, Law No. 11/2008 on Electronic Information and Transactions (ITE Law) as well as regulations from regulatory agencies such as Bank Indonesia (BI) and the Financial Services Authority (OJK) also come into play. These regulations reflect the Indonesian government's commitment to protecting the integrity of the financial sector and preventing the misuse of electronic funds. E-money embezzlement is defined as an unlawful act of intentionally taking control of electronic money belonging to another person, including manipulation of electronic accounts, illegal diversion of funds, and abuse of authority in electronic transactions. The PPTPU Law is the central instrument in this regulation, which continues to adapt to technological developments and global financial trends. Criminal penalties for electronic money laundering include imprisonment and fines, which vary depending on the extent of the loss, the scale of the crime, and the role of the perpetrator. It is important to refer directly to the EFT Law for a detailed understanding of criminal threats and sanctions. In addition to law enforcement measures, regulations also need to address consumer protection aspects in digital financial services. This includes service providers' responsibility for the security of consumer funds, compensation mechanisms, and the involvement of supervisory agencies such as BI and OJK in ensuring consumer safety.
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