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ARTICLE · 26 MAY 2026

FCCPC Digital Lending Regulations 2025: What It Means For Digital Lenders

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Digital lending business has grown extensively, especially with the high cost of living. Again, digital lending has simplified lending processes and procedures for small business owners, salary earners, and even first-time borrowers to access quick credit through apps and online platforms without collateral. However, this innovation came with recurring problems such as excessive interest rates, hidden fees, unethical debt recovery procedures, and privacy violations.

GhanaConsumer Protection
Dawn Osaretin Macaulay
Dawn Osaretin Macaulay

Introduction

Digital lending business has grown extensively, especially with the high cost of living. Again, digital lending has simplified lending processes and procedures for small business owners, salary earners, and even first-time borrowers to access quick credit through apps and online platforms without collateral. However, this innovation came with recurring problems such as excessive interest rates, hidden fees, unethical debt recovery procedures, and privacy violations.

After constant complaints from customers and in a bid to address these concerns, the Federal Competition and Consumer Protection Commission (FCCPC) introduced the Digital, Electronic, Online or Non-Traditional Consumer Lending Regulations 2025 (the Regulation). It is assumed that this regulation has replaced the interim guidelines of 2022 to ensure consumers are treated fairly.

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