In the current pandemic era, there are very many customers of financial
institutions, especially those who are unable to fulfill their obligations to pay off
their debts due to the unstable economic condition of the community, causing
financing problems. What are the similarities and differences between Financial
Service Authority regulations for Banking Institutions and Non-Bank Financial
Services Institutions. Type of research conducted by the author based on the title
of the thesis is normative research where this research refers to the laws and
regulations as the main or primary data. Bank Financial Services Institutions and
Non-Bank Financial Services Institutions are Debtors affected by the Covid-19
pandemic who are not legally required to carry out restructuring and Debtors
must apply for restructuring.