PERLINDUNGAN HUKUM NASABAH DALAM KEBIJAKAN PEMBEKUAN REKENING PASIF OLEH BANK DI INDONESIA

• Aisyah Oktania Dewi

  Universitas Singaperbangsa Karawang

  Author

• Dzakiyah Balqis

  Universitas Singaperbangsa Karawang

  Author

• Tri Setiady

  Universitas Singaperbangsa Karawang

  Author

• Meita Fadhilah

  Universitas Singaperbangsa Karawang

  Author

The policy of freezing passive accounts (dormant accounts) by banks in Indonesia raises legal problems because it does not have a firm and uniform legal basis. This research aims to analyze the banking legal arrangements for these policies as well as the form of legal protection for customers. The research method used is normative legal research with legislative, conceptual, and case approaches. The results of the study show that account freezing should only be carried out if there is an indication of a criminal act, not just because the account is inactive. Unclear arrangements result in legal uncertainty and potentially harm customers. Therefore, special regulations are needed that regulate the mechanism for freezing passive accounts, including notification obligations, right of objection, and reactivation procedures. This regulation is important to balance the principle of banking prudence with the protection of consumer rights and strengthen public trust in the national banking system.

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