upn repository Studi Komparasi Perlindungan Konsumen Dalam Layanan Fintech Peer To Peer Lending Di Indonesia Dan SingapuraGita LaksmiZalsabillaauthorAbstract The development of Financial Technology (Fintech) services, particularly Peer-to-Peer Lending, has expanded public access to financing and encouraged financial inclusion. However, behind its positive impact, various legal issues have emerged that weaken consumer protection, such as high and non-transparent loan interest rates, misuse of personal data, unethical debt collection practices, and the proliferation of illegal fintech platforms. This condition illustrates that Indonesia's regulatory framework has not been fully able to provide legal certainty and balanced protection for fintech peer-to-peer lending consumers, and even has the potential to create systemic risks for the digital financial services industry. This research aims to analyze consumer protection in Peer-to-Peer Lending fintech services in Indonesia and Singapore, as well as to formulate a reconstruction of consumer protection regulations for fintech in Indonesia. The novelty of this research lies in its normative-comparative approach, which not only compares the regulations of both countries but also uses the results of the comparison as a basis for formulating a systemic and preventive reconstruction of consumer protection regulations. The research method used is normative juridical, employing statutory and comparative legal approaches, through qualitative analysis of primary, secondary, and tertiary legal materials. The results show that consumer protection for Peer-to-Peer Lending fintech in Indonesia remains fragmentary and predominantly administrative in nature, and is thus not yet optimal in guaranteeing legal certainty and consumer protection. In contrast, Singapore applies risk-based regulation that is more integrated and effective. Based on these findings, this research recommends a reconstruction of fintech consumer protection regulation in Indonesia through strengthening regulation at the statutory (law) level, integrating supervisory and law enforcement authority, and strengthening the protection of consumers' personal data as a fundamental part of the fintech consumer protection system. Keywords: Consumer Protection, Fintech, Peer-to-Peer Lending, Legal Reconstruction.K Law (General)2026-07-15UPN VETERAN JAWA TIMUR;KODEPRODI74108#HukumThesis

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