The advancement of credit technology in its development has not been matched by a law that regulates financial technology (Fintech). This case has resulted in many consumers being disadvantaged in the Fintech agreement. It can be seen in various cases of cyber billing caused by default on a consumer's debt using Fintech services. In this regard, this article aims to analyse consumer protection in the development of Fintech. This article uses a non-doctrinal method. Based on the discussions conducted, it was found that the implementation of Fintech is often used as a guise fraud, supported by cyberbullying. The factors, that influence the implementation of debtor protection when unable to pay their debts to financial technology institutions, are overlapping rules, the lack of reach of law enforcement in fraud under the guise of financial technology institutions, and the influence of globalization, which results in the growth of financial technology institutions increasingly less under control.