This Draft Regulation clarifies that the Financial Services Authority (Otoritas Jasa Keuangan/OJK) has the authority to file lawsuits as a part of its consumer protection mandate whenever regulatory violations that occur within the financial sector cause material losses. Such lawsuits may target licensed financial service business actors or other parties accused of acting in bad faith, with the ultimate aim of recovering consumer assets or securing compensation. Importantly, consumers will not have to shoulder any of the costs that are associated with this process, while any unclaimed compensation will be deposited with the court or designated institution.

The supervision of halal product guarantees (Jaminan Produk Halal JPH) encompasses four core phases (i.e. planning, implementation, reporting and follow-up measures) and comprises the following forms: 1) Periodic JPH supervision (Supervision); and 2) Incidental (sewaktu-waktu) Supervision. These two types of Supervision should be implemented by officials who are authorized to supervise JPH and should be targeted at the following objects: 1) Products that have been classified as halal in accordance with the sharia principle; 2) Business actors; 3) Halal Inspection Institutions (Lembaga Pemeriksa Halal/LPH); and 4) Halal Product Process (Proses Produk Halal PPH) assistants (pendamping) and PPH Assistance Institutions (Lembaga Pendampingan PPH L3PH).

Imports of livestock and/or animal products under certain conditions from countries or zones within countries of origin (Product Importation) may be carried out by certain types of importers (Importers) under the following conditions: 1) Livestock (e.g. feeder, dairy cattle or buffalo) that originates from zones that meet certain requirements and procedures for livestock importation or that originates from countries that are not free from animal quarantine pests and diseases; and/or 2) Animal products (i.e. products that derive from cattle or buffalo) that originate from areas that have been declared free of foot-and-mouth disease (Penyakit Mulut dan Kuku PMK) or that originate from nations that continue to be affected by PMK. Upon commencing Product Importation, Regulation 8/2025 requires relevant Importers to electronically submit monthly reports that address the implementation of the importation of livestock and/or animal products. Said reports should be submitted by the 15th day of the month following the relevant reporting month.

Soundness level assessments of organizers of Information Technology-Based Joint Funding Services (Layanan Pendanaan Bersama Berbasis Teknologi Informasi/LPBBTI), which are commonly known as Peer-to-Peer (P2P) lending services, will be implemented in line with four general principles and carried out via a self-assessment mechanism and an individual risk-based approach. These self-assessments should be implemented based on five factors (i.e. Capital, Quality of Funding, Profitability, Liquidity and Management). Each of these factors will be rated on a scale of 1 - 5, with the lower end of this scale reflecting a better condition in terms of the factor in question.

Indonesian Migrant Workers (Pekerja Migran Indonesia PMI), prospective PMI and prospective apprentices who are planning to work abroad (collectively referred to as Recipients) are now eligible to secure Community Business Credit (Kredit Usaha Rakyat/KUR) of up to Rp. 100 million at a 6% effective annual interest rate in order to cover placement-related costs such as training, visas, tickets, accommodation, health checks and documentation. In order to qualify for KUR, Recipients must meet certain requirements, including the requirements to have secured a national identification number, to have registered with the Computerized PMI Protection System (Sisko P2MI) and to be in possession of a placement-related agreement.

Although the core procedures and processes for the submission of halal certification applications that were originally outlined under the previous framework have been retained, the new framework of Decree 190/2025 has now introduced a pre-paid and post-paid payment mechanism for halal certification services. These new payment mechanisms apply to both the regular and self-declaration schemes, although post-paid payments can only be utilized by facilitators from government agencies. Furthermore, Decree 190/2025 has also simplified the list of parties involved in the facilitation process. These parties should be outlined in relevant work contracts that detail the terms for the implementation of halal certification facilitation and should only require relevant facilitators and BPJPH as the outlined parties.

The Draft Circular reaffirms that Sharia Commercial Banks (BUS), Sharia Business Units (UUS) and Representative Offices of Banks Domiciled Abroad (KPBLN) are required to submit both periodic and incidental reports through the OJKs Online Reporting Application (APOLO). The mandatory periodic reports comprise daily, monthly, quarterly, semiannual and annual reports, and are organized into four information group categories: financial, risk and capital, products and activities, and main data information. Meanwhile, the mandatory incidental reports are also grouped into four specific categories: supervisory information, institutional matters, business activities and other categories. In order to meet these reporting obligations, every institution must appoint an officer who will assume responsibility for the submission of reports. When making such an appointment, an appointment letter should be submitted offline to the OJKs data and statistical management unit, while any subsequent changes should also be reported in this way.

A number of new aspects, including aspects relating to environmental approvals, peatland ecosystem damage control, mandatory environmental audits, eco-innovation and green leadership, have now been introduced. However, it should be noted that various aspects pertaining to transportation infrastructure and mining no longer feature. Several other areas have also been revised, including environmental approvals, wastewater quality compliance, monitoring of air pollution, management of hazardous waste and peatland restoration, among others. These aspects must now be verified in relation to their accuracy and conformity before the relevant parties are ultimately declared compliant or non-compliant as a part of official records. In addition, several assessment aspects have now been specified differently for certain business activities, including biomass production and activities that are conducted on cultivated peatlands or by peat hydrological units.

Decision of the Constitutional Court (Mahkamah Konstitusi MK) No. 128/PUU-XXIII/2025 has now extended the dual-office ban to Vice-Ministers, thereby prohibiting them from simultaneously occupying certain roles, including commissioners for State-Owned Enterprises (Badan Usaha Milik Negara/BUMN). The MK has also stressed the importance of ensuring that all Vice-Ministers remain focused on their ministerial duties and avoid any conflicts of interest. The government has been granted a two-year transition period in which to adopt this new Decision and gradually appoint qualified professionals as replacements.

Organizers of Information Technology-Based Joint Funding Services (Layanan Pendanaan Bersama Berbasis Teknologi Informasi/P2P Lending) are now required to submit funding transaction data (Data) reports to the Financial Services Authority (Otoritas Jasa Keuangan OJK) through a data center that has been integrated into the OJKs system. These reports will generally have to be submitted in real time or on a daily basis if real-time submission has not yet become possible. Organizers must also correct any Data inaccuracies that emerge during specified timelines and inform fund recipients of their Data submissions through accessible channels. Furthermore, information that is requested from recipients must be properly documented and used for certain controlled purposes only.