People have daily needs where these needs cost money. Economic problems become obstacles for the community so that people borrow money from Financial Institutions. People often borrow money at an institution called a Mobile Bank. Mobile Bank in West Java is called "Bank Emok". “Bank Emok” is a problem because its business activities cause problems, especially for its customers. The formulation of the problem is whether a financial service institution called “Bank Emok” can be qualified as a Bank in accordance with Law Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning Banking as amended by Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector and what are the juridical consequences of legal protection for customers harmed by the financial institution? This thesis uses normative legal research methods. The result of this study is that “Bank Emok” cannot be qualified as a Bank in accordance with Law Number 10 of 1998 as amended into Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector and efforts that can be made to “Bank Emok” customers who feel aggrieved are applying for cancellation of the signed agreement.