Recalling:

1. Law Number 21 of 2011 concerning the Financial Services Authority (State Gazette of the Republic of Indonesia Year 2011 Number 111, Supplement to the State Gazette of the Republic of Indonesia Number 5253) as amended by Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (State Gazette of the Republic of Indonesia Year 2023 Number 4, Supplement to the State Gazette of the Republic of Indonesia Number 6845);
2. Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector (State Gazette of the Republic of Indonesia Year 2023 Number 4, Supplement to the State Gazette of the Republic of Indonesia Number 6845);

DECIDING:

To establish: FINANCIAL SERVICES AUTHORITY REGULATION CONCERNING BEHAVIOR OF FINANCIAL SERVICES SECTOR INFORMATION PROVIDERS.

CHAPTER I

GENERAL PROVISIONS

Article 1

1. Financial Service Institutions, hereinafter abbreviated as FSI, are financial service institutions as referred to in the law concerning the development and strengthening of the financial sector.
2. Financial Business Actors, hereinafter abbreviated as FBA, are:
   a. FSI and/or parties conducting business activities for fund collection, fund disbursement, and/or fund management in the financial services sector; and b. other financial business actors, both those conducting business activities conventionally and those based on Sharia principles in accordance with applicable legislation in the financial services sector.
3. A Party is an individual, legal entity, company, joint venture, association, or organized group.
4. Consumer means every person who owns and/or utilizes products and/or services provided by an FBA.
5. Information Provider means a Party other than an FBA that delivers financial services sector information with the aim, directly or indirectly, to increase financial literacy and/or influence Consumers and the public in utilizing products and/or services.
6. Written Order means a written order from the Financial Services Authority to an FSI and/or specific party to carry out or not carry out certain activities to comply with applicable legislation in the financial services sector and/or to prevent and reduce losses to Consumers, the public, and the financial services sector.
7. Information means explanations and/or statements, whether data, facts, or their explanations, presented in various packaging and formats through electronic or non-electronic communication media.

CHAPTER II

BASIC BEHAVIOR OF INFORMATION PROVIDERS

Article 2

Information Providers deliver Information with the following provisions:
a. acting in good faith; b. being responsible for every Information delivered;
c. delivering Information that is clear, accurate, honest, easily accessible, and not potentially misleading;
d. not promising guaranteed profits for products and/or services in the financial services sector that are not consistent with the characteristics of those products and/or services; e. not comparing products and/or services in the financial services sector without balanced analysis that can be accounted for; f. not publishing and/or marketing products and/or services in the financial services sector that do not have a license from the Financial Services Authority, which based on applicable legislation must have a license from the Financial Services Authority; g. not cooperating with Parties conducting business activities in the financial sector that do not have a license from the Financial Services Authority or the competent authority; and h. not engaging in activities prohibited by applicable legislation.

Article 3

(1) In the event that an Information Provider obtains economic interest from information delivery activities, the Information Provider must state the existence of such economic interest. (2) The statement of economic interest referred to in paragraph (1) must be stated and/or mentioned clearly and easily understood by Consumers and the public in accordance with the delivery method used.

Article 4

(1) In the event that an Information Provider delivers Information regarding:
a. products and/or services with high risk; b. products and/or services that are complex; and/or
c. technology-based crowdfunding services (online loans) for fund providers,
the Information Provider must state and/or mention:

1. a statement that the aforementioned products and/or services carry high risk;
2. a disclaimer to Consumers and the public to conduct personal analysis first before deciding to use the aforementioned products and/or services; and
3. a disclaimer to Consumers and the public to consider that the aforementioned products and/or services are not suitable for all categories of Consumers and the public.
   (2) In the event that an Information Provider delivers Information regarding:
   a. technology-based crowdfunding services (online loans) for fund recipients; and/or b. buy now, pay later services, the Information Provider must state and/or mention:
4. a statement that the aforementioned products and/or services carry risk;
5. a disclaimer to Consumers and the public to conduct personal analysis first before deciding to use the aforementioned products and/or services; and
6. a disclaimer to Consumers and the public to consider that the aforementioned products and/or services are not suitable for all categories of Consumers and the public.
   (3) The statements referred to in paragraph (1) and paragraph (2) must be stated and/or mentioned clearly and easily understood by Consumers and the public in accordance with the delivery method used.

CHAPTER III

FINANCIAL SERVICES SECTOR INFORMATION DELIVERY ACTIVITIES

Article 5

(1) Financial services sector information delivery activities include:
a. financial education; b. marketing; and/or
c. providing recommendations.
(2) Information Providers deliver financial services sector information regarding:
a. characteristics of the financial services sector; b. products and/or services;
c. financial management related to the financial services sector; and/or
d. other information related to the financial services sector.
(3) Financial services sector information delivery activities as referred to in paragraph (1) are delivered through methods:
a. face-to-face; and/or b. non-face-to-face.

Article 6

(1) The implementation of financial education activities as referred to in Article 5 paragraph (1) letter a is conducted through the delivery of financial education materials. (2) Financial education materials as referred to in paragraph (1) include:
a. characteristics of the financial services sector; b. characteristics of products and/or services consisting of:

1. description;
2. benefits;
3. risks;
4. costs; and/or
5. rights and obligations;
   c. financial management related to the financial services sector; and/or
   d. other information related to the financial services sector.
   (3) Information Providers may state and/or mention simulations in the implementation of financial education as referred to in paragraph (1).
   (4) In the event that an Information Provider states and/or mentions simulations as referred to in paragraph (3), the Information Provider must state and/or mention the calculation formulation and a disclaimer stating that the activity is only a simulation. (5) Information Providers must state and/or mention the name/identity of the Information Provider in the implementation of financial education as referred to in paragraph (1). (6) The information as referred to in paragraph (5) must be stated and/or mentioned clearly and easily understood by Consumers and the public in accordance with the delivery method used.

Article 7

(1) In conducting marketing activities as referred to in Article 5 paragraph (1) letter b, Information Providers cooperate with FBAs.
(2) In conducting the cooperation as referred to in paragraph (1), the FBA must:
a. ensure that before delivering Information, the Information Provider states and/or mentions the name/identity and the affiliation of the Information Provider with the FBA; b. ensure that the products and/or services marketed by the Information Provider are limited to products and/or services listed in the agreement agreed upon between the Information Provider and the FBA;
c. ensure that the products and/or services marketed have a license from the Financial Services Authority;
d. ensure that the Information Provider has the skills, competence, and/or qualifications in delivering Information regarding products and/or services to Consumers and/or the public; e. ensure that the Information Provider does not misuse Consumer and public data and/or Information and complies with data and/or Information protection regulations; f. provide complete Information regarding products and/or services to be delivered by the Information Provider; g. be responsible for Information delivered by the Information Provider; and h. conduct periodic evaluations of marketing activities conducted by the Information Provider. (3) In the event that there are regulations governing the implementation of cooperation regarding marketing activities between an FBA and an Information Provider, the cooperation as referred to in paragraph (1) is implemented in accordance with the applicable legislation in each sector and this Financial Services Authority Regulation. (4) Information Providers conducting marketing activities must state and/or mention Information:
a. the name/identity of the Information Provider; and b. the relationship with the FBA.
(5) The information as referred to in paragraph (4) must be stated and/or mentioned clearly and easily understood by Consumers and the public in accordance with the delivery method used. (6) Information Providers may only conduct marketing of crypto asset products to the public through the official media of the FBA. (7) FBAs violating the provisions as referred to in paragraph (2) are subject to administrative sanctions in the form of:
a. written warning; b. restriction of products and/or services and/or business activities for part or all;
c. suspension of products and/or services and/or business activities for part or all;
d. dismissal of management; e. administrative fine; f. revocation of product and/or service licenses; and/or g. revocation of business license.
(8) Administrative sanctions as referred to in paragraph (7) letters b through g are imposed with or without prior imposition of administrative sanctions in the form of written warnings as referred to in paragraph (7) letter a. (9) Administrative sanctions in the form of fines as referred to in paragraph (7) letter e are imposed at most IDR 15,000,000,000.00 (fifteen billion rupiah).

Article 8

(1) Information Providers conducting recommendation activities as referred to in Article 5 paragraph (1) letter c:
a. hold relevant licenses in the financial services sector for Information Providers required to hold licenses based on applicable legislation; b. comply with this Financial Services Authority Regulation for Information Providers not yet required to hold licenses based on applicable legislation; or
c. hold competence and knowledge certifications in the financial services sector for Information Providers providing recommendations on digital financial assets in cases where licenses are not yet required based on applicable legislation.
(2) In the event that there are regulations regarding the provision of recommendations for products and/or services, Information Providers refer to the applicable legislation in each sector and this Financial Services Authority Regulation. (3) Information Providers providing recommendations must state and/or mention Information:
a. the name/identity of the Information Provider; and b. ownership of relevant licenses, registration marks, and/or competence certifications (if any).
(4) The information as referred to in paragraph (3) must be stated and/or mentioned clearly and easily understood by Consumers and the public in accordance with the delivery method used. (5) In providing recommendations on digital financial assets to Consumers and the public, Information Providers ensure that:
a. the recommended digital financial assets are included in the list of digital financial assets established by the exchange as regulated in the Financial Services Authority Regulation concerning the organization of digital financial asset trading including crypto assets; and b. the recommended FBA has a license from the Financial Services Authority.

CHAPTER IV

FINANCIAL EDUCATION LEARNING MANAGEMENT SYSTEM

Article 9

(1) The Financial Services Authority provides a financial education learning management system to increase financial literacy for Consumers and the public. (2) Information Providers may utilize the financial education learning management system as referred to in paragraph (1).

CHAPTER V

GUIDANCE BY THE FINANCIAL SERVICES AUTHORITY

Article 10

(1) The Financial Services Authority is authorized to conduct guidance actions towards Information Providers to increase compliance with the provisions in this Financial Services Authority Regulation. (2) Guidance actions as referred to in paragraph (1) are conducted in the form of:
a. reprimands; b. directions;
c. guidance; and/or
d. other forms of guidance.

CHAPTER VI

WRITTEN ORDERS

Article 11

(1) Based on this Financial Services Authority Regulation, Information Providers are declared as specific parties as regulated in the Financial Services Authority Regulation concerning written orders. (2) The Financial Services Authority is authorized to issue Written Orders to Information Providers in accordance with the procedures set forth in the Financial Services Authority Regulation concerning written orders. (3) In the event that an Information Provider does not execute the Written Order as referred to in paragraph (2), the Information Provider is subject to sanctions in accordance with the law concerning the Financial Services Authority.

CHAPTER VII

ACCESS TERMINATION

Article 12

(1) The Financial Services Authority submits an application for access termination to the Minister in charge of government affairs in the field of communications and information, in the event that an Information Provider delivers Information through electronic media that does not comply with the provisions regulated in this Financial Services Authority Regulation. (2) The Financial Services Authority submits the access termination application as referred to in paragraph (1) after guidance actions as referred to in Article 10 are not followed up by the Information Provider. (3) In the event of urgent conditions that have and/or potentially cause significant losses to Consumers and the public, the Financial Services Authority is authorized to submit the access termination application as referred to in paragraph (1) directly without prior guidance actions as referred to in Article 10 to the Information Provider. (4) The Financial Services Authority may announce the access termination as referred to in paragraph (1) to the public.

CHAPTER VIII

COORDINATION

Article 13

The Financial Services Authority may coordinate with other parties regarding financial services sector information delivery activities.

CHAPTER IX

OTHER PROVISIONS

Article 14

This Financial Services Authority Regulation is exempted for:
a. the delivery of financial services sector information by professions outside the financial services sector that execute their professional duties in accordance with applicable legislation and are subject to professional ethical codes; and b. the delivery of financial services sector information initiated by the government or authorities in accordance with their duties and functions as regulated in applicable legislation.

Article 15

The Financial Services Authority may provide policies different from this Financial Services Authority Regulation based on specific considerations.

CHAPTER X

TRANSITIONAL PROVISIONS

Article 16

At the time this Financial Services Authority Regulation takes effect, FBAs and Information Providers that have conducted cooperation regarding marketing prior to the promulgation of this Financial Services Authority Regulation must adjust such cooperation in accordance with the provisions of this Financial Services Authority Regulation no later than 6 (six) months since the promulgation of this Financial Services Authority Regulation.

CHAPTER XI

CLOSING PROVISIONS

Article 17

This Financial Services Authority Regulation takes effect on the date of its promulgation.

To ensure that everyone knows it, it is ordered to promulgate this Financial Services Authority Regulation by placing it in the State Gazette of the Republic of Indonesia.

Established in Jakarta on 26 May 2026

THE CHAIRMAN OF THE COMMISSIONERS COUNCIL
FINANCIAL SERVICES AUTHORITY
REPUBLIC OF INDONESIA,

FRIDERICA WIDYASARI DEWI

Promulgated in Jakarta on [Date]

THE MINISTER OF LAW OF THE REPUBLIC OF INDONESIA,

SUPRATMAN ANDI AGTAS

STATE GAZETTE OF THE REPUBLIC OF INDONESIA YEAR 2026 NUMBER [Number]

EXPLANATION

OF

FINANCIAL SERVICES AUTHORITY REGULATION

OF THE REPUBLIC OF INDONESIA

NUMBER 6 OF 2026

CONCERNING

BEHAVIOR OF FINANCIAL SERVICES SECTOR INFORMATION PROVIDERS

I. GENERAL

The increasingly complex and dynamic development of the financial services industry, accompanied by the rapid flow of Information, social dynamics, and advancements in Information and communication technology, has driven the increased role of parties delivering financial services sector information, or Information Providers, thereby bringing significant changes to Consumer and public behavior patterns in evaluating and making financial decisions, whether to own or not own, use or not use, and utilize or not utilize specific products and/or services. This Information delivery is conducted through financial education, marketing, and providing recommendations on products and/or services in the financial services sector to the public, both face-to-face and/or non-face-to-face.

Currently, Consumers and the public can easily access financial services sector Information delivered openly by Information Providers. The number of Consumers and the public utilizing various communication channels to obtain Information related to products and/or services has also increased, accompanied by more Information Providers having broad audience reach and the ability to influence Consumer and public perception and behavior. This phenomenon is often exploited by irresponsible parties to obtain personal or group profits without considering the risks and impacts caused.

Information on financial services sector delivered by Information Providers must consider clarity, accuracy, honesty, ease of access, and not being potentially misleading to Consumers and the public, and must be conducted in accordance with applicable legislation, thus requiring behavioral standards for Information Providers.

The Financial Services Authority is authorized to regulate and supervise in order to protect Consumers and the public in the financial services sector in Indonesia and to take preventive action against Consumer and public losses in accordance with applicable legislation in the financial services sector. Supervision of activities conducted by Information Providers is carried out through monitoring (responsive oversight) based on the Financial Services Authority's assessment. The aforementioned monitoring is conducted in accordance with risks that could cause losses to Consumers and the public in the financial services sector. The Financial Services Authority is also authorized to issue Written Orders to Information Providers who do not comply with the provisions in this Financial Services Authority Regulation.

Generally, this Financial Services Authority Regulation regulates, among others, basic behavior for Information Providers, types of financial services sector information delivery activities, FBA obligations in conducting marketing cooperation with Information Providers, the Financial Services Authority's authority to conduct guidance actions and issue Written Orders for Information Providers, and the termination of access for information delivery that does not comply with the regulated provisions.

Based on these considerations, it is necessary to regulate a Financial Services Authority Regulation concerning the Behavior of Financial Services Sector Information Providers.

II. ARTICLE BY ARTICLE EXPLANATION

Article 1

Sufficiently clear.

Article 2

Letter a
Sufficiently clear.

Letter b
Sufficiently clear.

Letter c
Information includes benefits and risks of products and/or services.

What is meant by "clear" is that the Information Provider provides Information in a readable format and font size, using easily understandable language, and delivery methods easily understood by Consumers and the public.

What is meant by "accurate" is that the Information Provider provides Information that is precise and complete regarding products and/or services by including source Information or references that can be accounted for and informed to Consumers and the public.

What is meant by "honest" is that the Information Provider provides Information in accordance with the actual state and reality.

What is meant by "easily accessible" is that the Information Provider provides Information that facilitates Consumers and the public to obtain complete Information through various forms of media and/or communication channels provided by the Information Provider.

What is meant by "not potentially misleading" is that the Information Provider provides Information that does not have the potential to provide incorrect and/or ambiguous understanding regarding products and/or services to Consumers and the public.

Examples of delivering Information that is clear, accurate, honest, easily accessible, and not potentially misleading:

1. The Information Provider delivers based on personal experience and/or relevant competence possessed;
2. The Information Provider states sources/references and the period of Information, whether sourced from other Parties or self-processed. The aforementioned sources/references are sources/references whose truthfulness can be accounted for; and
3. in the event that the Information delivered is created using artificial intelligence, the Information Provider states the fact that the Information was created using artificial intelligence and underwent human verification before the Information was published.

Letter d
Examples of promising guaranteed profits for products and/or services that are not consistent with the characteristics of those products and/or services:

1. a statement that stock investment provides fixed profits every month;

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2. statement that mutual funds have no risk of loss; and
3. statement that the past performance of certain digital financial assets will recur and provide benefits in the future.

Letter e
What is meant by "balanced and accountable analysis" is an analysis conducted based on data, sources, and/or references that can be verified and meets elements of fairness and reasonableness.

Examples of comparing products and/or services in the financial services sector without balanced and accountable analysis:

1. statement that the indicated product and/or service is far better than other products and/or services without displaying data or risks; and
2. statement that the indicated product and/or service is the best product and/or service without balanced analysis and disparaging other products and/or services.

Letter f
Clear enough.

Letter g
What is meant by "competent authority" includes among others the Ministry of Finance of the Republic of Indonesia and Bank Indonesia.

Example: Information Provider does not cooperate with illegal online lending companies.

Letter h
Clear enough.

Article 3
Paragraph (1)
Economic interests include among others:

1. profits, remuneration, and/or rewards obtained from FSPs and/or Other Parties who have an interest;
2. profits obtained from ownership, use, and/or utilization of products and/or services by Consumers; and/or
3. profits obtained from affiliation relationships with Parties who own, use, and/or utilize specific products and/or services.

Example of economic interest statement: "Information Provider earns a commission for every purchase of products through this link/referral."

Paragraph (2)
What is meant by "clear and easy to understand" is a statement delivered in a readable font format and size, using language that is easy to comprehend, and delivery methods that are easily understood by Consumers and the public.

Article 4
Paragraph (1)
Letter a
What is meant by "high-risk products and/or services" refers to products and/or services that carry risks such as declining investment value, difficulty recovering investments, and/or non-recovery of investments.

Examples of high-risk products and/or services: digital financial assets and stocks.

Letter b
What is meant by "complex products and/or services" may include:

1. derivative products having more than 1 (one) underlying asset and featuring maturity dates, strike prices, and/or more complex payment processes, which are not simple or standard (plain vanilla) according to legislation in the financial services sector;
2. products combining at least 2 (two) financial products such as Investment-Linked Insurance Products (PAYDI); or
3. products and/or services resulting from cooperation activities with integrated business models such as bancassurance.
   Disclaimers are also known as disclaimers.

Letter c
Clear enough.

Paragraph (2)
Letter a
Clear enough.

Letter b
What is meant by "buy now pay later" is a financing facility provided by FSPs through electronic systems for the purchase of goods and/or services.

Paragraph (3)
See explanation of Article 3 paragraph (2).

Article 5
Paragraph (1)
Letter a
The implementation of financial education activities is carried out by avoiding:
a. the use of specific product and/or service brands; and/or b. the sale of specific products and/or services.

Letter b
The implementation of marketing activities is carried out by conveying Information regarding specific products and/or services by the Information Provider based on cooperation with FSPs for ownership, use, and/or utilization by Consumers and the public.

Letter c
The implementation of recommendation provision activities is carried out by conveying Information regarding specific products and/or services by the Information Provider aimed at influencing Consumer and public behavior in the form of recommendations/suggestions to own or not own, use or not use, and utilize or not utilize specific products and/or services provided by FSPs, whether directly or indirectly, without cooperation with FSPs.

Paragraph (2)
Letter a
Examples of Information related to financial services sector characteristics include among others institutional aspects and actors in the financial services sector.

Letter b
Products and/or services under legislative provisions regulated and supervised by the Otoritas Jasa Keuangan (Financial Services Authority), including among others: savings accounts, deposits, insurance, financing, securities, or digital financial assets.

Letter c
Examples of Information regarding financial management include tips for managing finances for the millennial generation and information regarding financial resilience during crises.

Letter d
Other examples of Information related to the financial services sector include Information related to the Financial Information Service System.

Paragraph (3)
Letter a
What is meant by delivering Information via face-to-face method is a direct physical meeting or digital meeting utilizing technology, information, and communication devices.

Letter b
What is meant by delivering Information via non-face-to-face method is the delivery of Information utilizing technology, information, and communication devices without direct meetings, including among others: Information delivered through social media content and telephone.

Article 6
Paragraph (1)
Clear enough.

Paragraph (2)
See explanation of Article 5 paragraph (2).

Paragraph (3)
What is meant by "simulation" is a demonstration method in the form of an imitation similar to actual conditions.

Simulations can be conducted by providing facilities to give an overview of product and/or service usage practices, thereby increasing the knowledge and skills of Consumers and the public in understanding financial needs and capabilities.

Paragraph (4)
Clear enough.

Paragraph (5)
Clear enough.

Paragraph (6)
See explanation of Article 3 paragraph (2).

Article 7
Paragraph (1)
Clear enough.

Paragraph (2)
Letter a
FSPs ensure by means including reviewing Information material before publication by the Information Provider.

Letter b
See explanation of letter a.

Letter c
See explanation of letter a.

Letter d
FSPs ensure by means including:

1. checking the background or relevance of the Information Provider;
2. checking that the Information Provider has relevant licenses/certifications; and
3. checking the alignment between the demographics or followers of the Information Provider and the products and/or services to be conveyed by the Information Provider.

Letter e
Clear enough.

Letter f
What is meant by "complete" is Information regarding products and/or services, including benefits and risks, provided adequately by FSPs to the Information Provider so that Consumers and the public can understand said products and/or services well.

Letter g
Clear enough.

Letter h
Clear enough.

Paragraph (3)
Clear enough.

Paragraph (4)
Example of statements regarding the relationship between Information Provider and FSP: "This Information delivery is a paid cooperation with FSP XYZ."

Listing/mentioning Information regarding the relationship between Information Provider and FSP can take the form of using the "paid promote" feature on digital platforms/social media.

Paragraph (5)
See explanation of Article 3 paragraph (2).

Paragraph (6)
Clear enough.

Paragraph (7)
Clear enough.

Paragraph (8)
Clear enough.

Paragraph (9)
Clear enough.

Article 8
Paragraph (1)
Letter a
Examples of licenses based on legislative provisions include among others investment advisor licenses in the capital market sector.

Letter b
Clear enough.

Letter c
Competence and knowledge in the financial services sector consist of standardized national or international competency certificates, including among others licensed financial planners.

Paragraph (2)
Clear enough.

Paragraph (3)
Clear enough.

Paragraph (4)
See explanation of Article 3 paragraph (2).

Paragraph (5)
What is meant by "digital financial assets" is financial assets stored or represented digitally, including crypto assets.

Article 9
Paragraph (1)
What is meant by "financial education learning management system" is a mechanism and device managed by the Otoritas Jasa Keuangan to improve the financial literacy of Consumers and the public.

Paragraph (2)
Information Providers utilizing the financial education learning management system receive proof of completion of learning modules.

Article 10
Clear enough.

Article 11
Paragraph (1)
What is meant by "specific parties" is parties other than FSPs who may be given Written Orders.

Paragraph (2)
Clear enough.

Paragraph (3)
Clear enough.

Article 12
Paragraph (1)
Access termination (take down) is the action of blocking access, closing accounts, and/or deleting content.
Included in "access termination (take down)" is blocking social media accounts.

What is meant by "electronic media" is facilities, infrastructure, or devices used to collect, store, process, and/or disseminate electronic Information used temporarily or permanently.

Examples of electronic media: social media, websites, and applications.

Paragraph (2)
Clear enough.

Paragraph (3)
Examples of emergency conditions include among others the delivery of financial services sector Information containing elements of fraud and promoting illegal products and/or services.

Paragraph (4)
Announcements of access termination (take down) are communicated to the public including via: official websites and social media of the Otoritas Jasa Keuangan.

Article 13
Examples of other parties:
Authorities, ministries, agencies, FSP associations or other related associations, FSPs, researchers, and/or academics, both domestic and foreign.

Article 14
Letter a
Examples of professions outside the financial services sector carrying out professional duties in accordance with legislative provisions and subject to professional codes of ethics:

1. Educators conveying financial services sector Information in the context of academic activities and learning processes in accordance with applicable education curricula; and
2. Journalists conveying financial services sector Information in the course of journalistic activities through print media, electronic media, and all available channels.

Letter b
Examples of Information delivery initiated by the government or authorities: delivery of financial services sector Information by Bank Indonesia and the Deposit Insurance Agency.

Article 15
Specific considerations include among others taking into account conditions that have the potential to harm or do harm Consumers and the public.

Article 16
Clear enough.

Article 17
Clear enough.

SUPPLEMENT TO THE STATE GAZETTE OF THE REPUBLIC OF INDONESIA NUMBER ⸙ ---