Your smart credit guide starts here
Perkhidmatan
Semak sebelum pinjam
Kenal pasti pemberi kredit yang berlesen sebelum membuat sebarang pinjaman.
regulation
Consumer Credit Act 2025
The drafting of the Consumer Credit Act (CCA) aims to ensure fair treatment of borrowers.
Daily Smart Tip
Paying on time opens the door to better loan opportunities.
When choosing a credit provider, the interest rate is often the most important factor as it determines the total cost of the loan.
Industries
Buy Now Pay Later (BNPL)
Learn the key things you need to know to protect yourself and your finances.
Services
Need Help?
Whether you have questions, need assistance, or want to share feedback, we’re here to listen.
Boost your financial knowledge
Learn smart tips to build a stronger financial future.
Did you know?
Paying on time consistently boosts your credit score, showing lenders you’re responsible and helping you access better loans and rates.
Spotting unusual activity?
Share it with us and help protect the community.
Quickly verify licensed lenders
Borrow with confidence and security.
Boost your financial knowledge
Learn smart tips to build a stronger financial future.
Quickly verify licensed lenders
Borrow with confidence and security.
Did you know?
Paying a bit extra each month helps you clear debt faster.
Spotting unusual activity? Share it with us and help protect others.
Boost Your Financial Health
Explore your credit health and learn smart tips to build a stronger financial future.
Search by
Name
Let's check if they’re on the official licensed list.
Quickly verify licensed lenders and make informed decisions.
Browse our complete list of verified lenders
Search for a Regulatee
Semak dengan cepat sama ada penyedia anda berlesen dan sah, supaya anda boleh berurusan dengan tenang dan selamat.
Search by
Name
Let's check if they’re on the official licensed list.
Other useful tools
Semak dengan cepat sama ada penyedia anda berlesen dan sah, supaya anda boleh berurusan dengan tenang dan selamat.
Let's check if they’re on the official licensed list.
Protect and Empower
Industry
Buy Now Pay Later (BNPL)
Discover the key things you need to know to protect yourself and your finances.
Perkhidmatan
Semak sebelum pinjam
Kenal pasti pemberi kredit yang berlesen sebelum membuat sebarang pinjaman.
Contact Us
Want to make a complaint?
Report unfair credit practices or any issues related to consumer credit.
LATEST
Information on Standards, Licensing and Registration
SKP has published information on standards, licensing and registration for industry participants. Applications are now open.
daily smart tip
Understand Your Commitments Before Borrowing
Before taking on any form of credit, be clear on the total repayment, interest or profit rate, loan tenure, and any additional charges. This will help you manage your finances more wisely and responsibly.
Boost your financial knowledge
Learn smart tips to build a stronger financial future.
Did you know?
Paying on time consistently boosts your credit score, showing lenders you’re responsible and helping you access better loans and rates.
Spotting unusual activity?
Share it with us and help protect the community.
Quickly verify licensed lenders
Borrow with confidence and security.
Boost your financial knowledge
Learn smart tips to build a stronger financial future.
Quickly verify licensed lenders
Borrow with confidence and security.
Did you know?
Paying a bit extra each month helps you clear debt faster.
Spotting unusual activity? Share it with us and help protect others.
Boost Your Financial Health
Explore your credit health and learn smart tips to build a stronger financial future.
Search by
Name
Let's check if they’re on the official licensed list.
Quickly verify licensed lenders and make informed decisions.
Browse our complete list of verified lenders
Search for a Regulatee
Semak dengan cepat sama ada penyedia anda berlesen dan sah, supaya anda boleh berurusan dengan tenang dan selamat.
Search by
Name
Let's check if they’re on the official licensed list.
Other useful tools
Semak dengan cepat sama ada penyedia anda berlesen dan sah, supaya anda boleh berurusan dengan tenang dan selamat.
Let's check if they’re on the official licensed list.
SKP is committed to strengthening credit consumer protection in Malaysia.
Industry participants are required to uphold fair, responsible and professional conduct.
Credit consumers, in turn, should manage their finances prudently and meet their credit obligations.
What are the functions of CCOB?
Consumer Credit Oversight Board (CCOB)
CCOB will be the statutory regulator and supervisory body overseeing non-bank credit providers
Council for Consumer Credit Malaysia (CCC)
The CCA shall provide for the establishment of the Council for Consumer Credit Malaysia (CCC).
Consumer Credit Act (CCA)
The CCA aims to promote fair and responsible lending practices towards a prudent and responsible credit culture in Malaysia.
Berita Terkini
2 disember 2025 | BERITA
19 november 2025 | MAKLUMAN
28 oktober 2025 | SUMBER MEDIA
Video Pilihan
Ketahui hak dan cara mengawal kredit anda
- Maklumat bayaran dan yuran mesti jelas
- Anda berhak dilayan dengan adil dan jujur
- Pinjaman mesti ikut kemampuan anda
Media Releases
19 August 2025 | MEDIA RELEASE
NEWS | 20 NOVEMBER 2025
Status Update on the Consumer Credit Bill (CCB) 2025
NEWS
20 NOVEMBER 2025
Announcement of Logo and Slogan Competition Winners for the Consumer Credit Commission (CCC)
NEWS
20 NOVEMBER 2025
Announcement of Logo and Slogan Competition Winners for the Consumer Credit Commission (CCC)
NEWS
20 NOVEMBER 2025
Announcement of Logo and Slogan Competition Winners for the Consumer Credit Commission (CCC)
Popular Frequently Asked Questions (FAQs) on Consumer Credit
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When was the Consumer Credit Act 2025 gazetted and when did it come into force?
The Consumer Credit Act 2025 was gazetted on 31 December 2025. All parts of the Act (except Part V) came into force on 1 March 2026. Part V, which relates to licensing and registration, came into force on 1 June 2026.
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What is the Consumer Credit Act 2025 and who is protected under it?
The Consumer Credit Act 2025 is a law that regulates credit providers and credit service providers in Malaysia, to protect the rights and interests of credit consumers.
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What is the role of Suruhanjaya Kredit Pengguna (SKP) once the Consumer Credit Act 2025 comes into force?
SKP will serve as the competent authority for non-bank credit. Its roles include licensing and registering industry participants, setting standards, supervising the activities of credit providers and credit service providers, managing complaints, and enforcing the provisions of the Consumer Credit Act 2025.
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How can credit providers and credit service providers apply for licensing and registration?
Applications for licensing and registration have been open since 1 June 2026. Details on application procedures, requirements, documentation, and submission channels have also been announced.
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How should credit providers and credit service providers handle complaints from credit consumers?
All credit providers and credit service providers are required to establish and implement a transparent and fair complaints handling process, including providing a one-stop complaint centre that is easily accessible to credit consumers.