Based on the results of the study, it is known that the legal protection of users of Electronic Data-Based Lending and Borrowing Services (Fintech) is not going well, because there are still many Fintech-based lending and borrowing services whose rights are violated by lending and borrowing services. Things that make online loan service users get into problems at the time of collection. In this case the billing method is sometimes unreasonable by using threats and terror techniques. The Role of OJK for Fintech Actors that the role of OJK for Users of Electronic Data-Based Lending Services (Fintech), issuing various regulations and supervising Fintech while still providing flexibility in the innovation space. In the perspective of the development of business activities in the financial services sector, the occurrence of business conglomerates such as banks, companies, securities, insurance, financing. However, not all online loan companies are registered with the financial services authority.