Legal Analysis Of The Establishment Of The Consumer Dispute Implementing Agency On Unauthorized Transactions (Phishing) In Regulation No. 16 / Rev.Sus-BPSK / 2025 / PN Mdn

The increasing phenomenon of digital crimes such as phishing raises new problems in legal protection for consumers. One of the available dispute resolution mechanisms is through the Consumer Dispute Resolution Agency (BPSK). However, in practice, BPSK decisions are often canceled by the district court because it is considered to exceed the authority or lack of evidence. This study aims to analyze the legality of unauthorized transactions in the perspective of civil law, as well as review the legal basis for the cancellation of BPSK decision by the Medan District Court in case No. 16 / Rev.Sus-BPSK / 2025 / PN Mdn. This study uses a normative approach with qualitative methods. The results of the analysis show that transactions that occur due to phishing are classified as illegal acts and qualify as null and void. However, the weakness of evidence in BPSK became the main reason for the cancellation of the decision