Civil Law Review of the Blocking of Inactive Accounts by the Financial Transaction Reports and Analysis Center (PPATK) from the Perspective of Account Owner Protection
DOI:
https://doi.org/10.67032/ljl.v5i1.176Keywords:
account blocking, dormant accounts, PPATK, account protectionAbstract
Research into the blocking of dormant accounts by the Financial Transaction Reports and Analysis Center (PPATK) raises legal issues related to the protection of account holders' civil rights. This study aims to analyze the legal basis for PPATK's authority, the status of customers' civil rights, and the forms of legal protection that can be pursued. The research method used is normative juridical with a statutory and conceptual approach, using primary and secondary legal materials. The results of the study indicate that PPATK's authority to request a temporary suspension of transactions has a legal basis in Article 44 paragraph (1) letter i of Law Number 8 of 2010 concerning the Prevention and Eradication of Money Laundering. From a civil law perspective, the relationship between a bank and a customer is a contractual relationship that gives rise to rights and obligations, so that funds in the account remain the property of the customer. Legal protection for account holders is provided preventively through the principles of prudence and transparency, and repressively through complaint mechanisms to the bank, the Financial Services Authority, dispute resolution through alternative institutions, and civil lawsuits. The implications of this study emphasize the importance of a balance between state authority and the protection of customers' civil rights.
References
Abbas, S., & Humaira. (2020). Keabsahan dan akibat hukum PT. Bank Aceh Syariah dalam pengelolaan rekening pasif nasabah. Kanun: Jurnal Ilmu Hukum, 22(3), 455–470. https://jurnal.usk.ac.id/kanun/article/download/18106/13238
Adnyana, G. E. W., & Raditya, I. B. Y. (2025). Perlindungan hukum perdata atas hak nasabah dalam kasus pemblokiran rekening oleh PPATK. Jurnal Media Akademik, 3(1), 35–48. Diakses dari https://jurnal.mediaakademik.com/index.php/jma/article/download/2937/2333 56.
Andi Bau Mallarangeng, & Mustari. (2022). LGL Tinjauan Yuridis Perkembangan Hukum Yang Mengatur Mengenai Perbankan Syariah di Indonesia. Legal Journal of Law, 1(2), 1–10. Retrieved from https://jurnal.lamaddukelleng.ac.id/index.php/legal/article/view/23.
Andi Djemma, Siardin. (2025). Pedoman Penulisan Skripsi. Sengkang: Institut Ilmu Hukum dan Ekonomi Lamaddukelleng Sengkang.
Cahyaningsih, J., Nurva, Y. P. A., Setyawan, F., & Adonara, F. F. (2025). Tinjauan hukum bagi nasabah atas pemblokiran rekening secara sepihak. Jurnal ISO, 5(2). Diakses dari https://doi.org/10.53697/iso.v5i2.3027.
Gisymar, N. A., Rusmala, E., Suyikati, Anindita, & Sierrad, Z. (2025). Regulatory implications of PPATK’s dormant account blocking in Indonesia’s banking system. Humanities and Social Sciences, 13(5), 498–509. https://doi.org/10.11648/j.hss.20251305.20
Indrati, M. F. (2007). Ilmu perundang-undangan. Yogyakarta: Kanisius.
Indrajaya, R. (2020). Perlindungan hukum terhadap nasabah bank sebagai pengguna jasa layanan perbankan. Jurnal Education and Development, 8(4), 636–644. https://media.neliti.com/media/publications/561959 perlindungan-hukum- terhadap-nasabah-bank-50c3f933.pdf
Ismail Ali & Andi Sumangelipu. (2023). Pengantar Hukum Bisnis. Sengkang: CV Mange. Diakses dari https://www.researchgate.net/profile/Andi-Sumangelipu/publication/381108247_PENGANTAR_HUKUM_BISNIS/links/665d016b0b0d2845747dcfb9/PENGANTAR-HUKUM-BISNIS.pdf.
Karso, A. J. (2025). Pemblokiran rekening dorman oleh PPATK: Jurus antisipasi memotong rantai mengakarnya judol di Indonesia. CV. Eureka Media Aksara.
Kermite, J. A. (2014). Tanggung jawab kontraktual bank dalam perjanjian kredit dihubungkan dengan upaya pencegahan kredit macet. Lex Privatum, 2(2), 134-143. https://ejournal.unsrat.ac.id/index.php/lexprivatum/article/view/4513.
Kristiyanti, C. T. S. (2019). Hukum perlindungan konsumen. UGM Press.
Maulidiana, L. (2024). Buku ajar hukum perikatan. PT Media Penerbit Indonesia.
Peraturan Otoritas Jasa Keuangan Nomor 61/POJK.07/2020 tentang Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan.
PPATK. (2025, 29 Juli). Perlindungan hak dan kepentingan pemilik sah rekening perbankan (Siaran pers). Diakses dari https://www.ppatk.go.id/siaran_pers/read/1499/perlindungan hak-dan- kepentingan-pemilik-sah-rekening-perbankan
Prabowo, M. S., & Sulistianingsih, D. (2025). Buku ajar hukum ekonomi dan perbankan. PT Media Penerbit Indonesia.
Prismadana, M. (2024). Tinjauan yuridis terhadap pemblokiran rekening nasabah secara sepihak oleh pihak bank. NOVUM: Jurnal Hukum, 1(4). Diakses dari https://doi.org/10.2674/novum.v1i4.11995.
Ritonga, A. S. (2024). Account trading as a form of money laundering. Inspiring Law Journal, 142-143. Diakses dari https://jurnal.umsu.ac.id/index.php/inspiring/article/download/21567/pdf.
Said Munawar, Hartiwiningsih, & Muhammad Rustamaji. (2025). Problems of Dormant Account Blocking Policy By PPATK in Human Rights Perspective. Proceeding of The International Conference on Language, Literature, Culture, and Education, 1(1), 125–142. Retrieved from https://iconlice.org/index.php/ICONLICE/article/view/40.
Shidarta. (2014). Hukum perlindungan konsumen Indonesia. PT Grasindo.
Siregar, D. H. A., & Mustomi, O. (2025). Hukum perbankan Indonesia: Teori dan praktik dalam sistem keuangan. PT Media Penerbit Indonesia.
Sujarweni, V. W. (2015). Sistem akuntansi. Yogyakarta: Pustaka Baru Press.
Sopamena, R. F. (2022). Pemblokiran rekening oleh bank secara sepihak. Bacarita Law Journal, 3(1), 10-15. Diakses dari https://ojs3.unpatti.ac.id/index.php/bacarita/article/view/6729
Suci, I. K., & Lestari, S. N. (2019). Pemblokiran rekening oleh bank secara sepihak. Bacarita Law Journal, 3(1), 914. Diakses dari https://ojs3.unpatti.ac.id/index.php/bacarita/article/download/ 6729/4988
Syahril, M. A. F., & Krivin¸ s, A. (2025). When customer accounts go “mati suri”. Amsir Law Journal, 7(1), 11. Diakses dari https://journalstih.amsir.ac.id/index.php/alj/article/view/695 157.
Thalib, A., & Aisyah, N. (2024). Hukum perjanjian. Rajawali Pers.
Tuanakotta, T. M. (2013). Forensic accounting and fraud examination. Salemba Empat.
Undang-Undang Republik Indonesia Nomor 8 Tahun 1999 tentang Perlindungan Konsumen.
Undang-Undang Republik Indonesia Nomor 8 Tahun 2010 tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang.
Undang-Undang Republik Indonesia Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan.
Wulandari, F., Braviaji, E., Fahmi, I., Songgirin, A., & Hananto, V. A. (2022). Hak nasabah perbankan dalam konteks perlindungan konsumen. Bhakti Hukum: Jurnal Pengabdian Kepada Masyarakat, 1(1), 64–70.
Zatkia. (2022). Pembukaan prinsip kerahasiaan bank sebagai perbuatan melawan hukum. SASI, 28(2).
Downloads
Published
How to Cite
Issue
Section
License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
