Part 15 Debate Topic What roles do borrowers and the FCCPC play in loan disputes Debate Between the LoansharkReview Team, Pro Loan Apps, and Loan App Agents (Part 15 of 25)

Welcome to Part 15 of the LoansharkReview Debate Series – a 25-part deep dive into the most controversial issues in digital lending.

This episode tackles a critical question: What roles do borrowers and the FCCPC (Federal Competition and Consumer Protection Commission) play in loan disputes?

As loan apps continue to grow across Nigeria, disputes over interest rates, repayment terms, debt shaming, and data privacy have become daily realities for millions. But where does responsibility lie?

In this debate, our three panels argue:

• LoansharkReview Team – Advocates for stronger borrower protections and more proactive FCCPC enforcement.
• Pro Loan Apps – Defends current industry practices and argues borrowers must take more accountability.
• Loan App Agents – Shares frontline experiences of collecting debt and interacting with regulators.

Key discussion points:

• Can borrowers effectively challenge unfair loan terms?
• Has the FCCPC done enough to stop privacy violations?
• What legal frameworks exist for loan dispute resolution in Nigeria?
• Case studies of FCCPC intervention (successful and failed)

Whether you're a borrower, lender, fintech founder, or policy enthusiast, this debate offers unflinching insights into the power dynamics of modern lending.