-@fccpcnigeria has begun enforcing the Digital, Electronic, Online, or Non-Traditional Consumer Lending Regulations (2025) to stop harassment, data misuse and abusive recovery tactics in the loan-app space.

The rules took effect on July 21, 2025. They create a full legal framework to register, monitor and sanction digital/non-traditional lenders operating in Nigeria. They apply to unsecured consumer lending delivered via apps, web, USSD, SMS and other non-traditional channels. Banks under BOFIA are exempt.