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The Federal Competition and Consumer Protection Commission (FCCPC) has set 5 January 2026 as the deadline for digital lenders, platforms, and intermediaries to comply with the 2025 Digital Lending Regulations. The regime, effective since July 2025, broadens oversight across loan apps, embedded credit, BNPL models, and airtime/data lending, requiring all operators to update documentation and strengthen consumer-protection processes.

The rules introduce stricter disclosure, governance, and collections standards, alongside elevated duties for hosting platforms. From the deadline, the FCCPC will begin enforcement, including operational restrictions and app removals. While aimed at curbing abusive practices, the framework may heighten compliance pressures for emerging fintechs.

For guidance, contact TEMPLARS Partner, Zelda Akindele, Senior Associate, Victor Sameria, and Associate, Ines Adeogun-Phillips.

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