The LAPS SJK is an out-of-court dispute resolution institution established on 22September 2020 by Self-Regulatory Organizations (SROs) and associations in the financial services sector. To carry out its activities, LAPS SJK obtained an operational permit from OJK on 29 December 2020 and commenced operations on 1 January 2021. As the only LAPS in the financial services sector to obtain an operational permit from OJK, LAPS SJK replaces the roles and functions of the six previously existing LAPS in the financial services sector (namely BAPMI, BMAI, BMDP, LAPSPI, BAMPPI, and BMPPVI).

1. Request through the OJK Consumer Protection Portal (APPK) Application.
   If there is no agreement on the implementation of internal dispute resolution between the Consumer and the Financial Services Authority (PUJK) (Internal Dispute Resolution/IDR), the Consumer may submit a request for dispute resolution to the LAPS SJK as long as the dispute meets the criteria for being handled by LAPS SJK.
2. The request is submitted directly to LAPS SJK.
   Requests for dispute resolution are submitted directly to LAPS SJK, including through walk-ins and correspondence (including email).

1. The Complaint has been resolved by the PUJK but has been rejected by the Consumer, or the Consumer has not received a response to the complaint as stipulated in the Financial Services Authority Regulation concerning consumer complaint services in the financial services sector;
2. The dispute submitted is not a dispute currently in process or has not been decided by a court, arbitration, or other alternative dispute resolution institution; and
3. The dispute is civil in nature.

1. Mediation
2. Arbitration
3. Binding opinion