PERATURAN-PERATURAN KREDIT PENGGUNA (PENGKOMPAUNAN KESALAHAN) 2026

Seseorang yang menyetuju terima suatu tawaran untuk mengkompaun suatu kesalahan yang boleh dikompaun hendaklah menyetuju terima tawaran itu dalam Borang 3 Jadual Kedua dan mengembalikan Borang 3 itu kepada Pihak Berkuasa

Pengawalseliaan dan Penyeliaan.

Jika tiada pembayaran bagi kompaun yang ditawarkan itu dibuat dalam tempoh yang dinyatakan dalam subperaturan 3(2), pendakwaan boleh dimulakan tanpa notis selanjutnya.

P.U. (A) 234 5

JADUAL PERTAMA

[Subperaturan 2(1)]

KESALAHAN YANG BOLEH DIKOMPAUN

Kesalahan yang dilakukan di bawah peruntukan Akta Kredit Pengguna 2025 [Akta 873]

dan mana-mana peraturan-peraturan yang dibuat di bawah Akta ditetapkan sebagai kesalahan yang boleh dikompaun.

P.U. (A) 234 6

JADUAL KEDUA

BORANG 1

[Subperaturan 2(2)]

KEIZINAN UNTUK MENGKOMPAUN KESALAHAN

PADA menjalankan kuasa yang diberikan oleh seksyen 118 Akta Kredit Pengguna 2025

[Akta 873]

dan subseksyen 376(3)

Kanun

Tatacara

Jenayah

[Akta 593], saya ……………………………………………………………. (nama) dengan ini memberikan keizinan untuk mengkompaun …………………..................…….......…………… (nama orang yang kepadanya tawaran kompaun itu dibuat)

bagi kesalahan yang dilakukan di bawah

……................................................................................................... yang dikatakan telah dilakukan pada

……....………..….… (tarikh) di ……......................................................................…………………… (tempat).

Tarikh:

……….………………………………

Pendakwa Raya/

Timbalan Pendakwa Raya

P.U. (A) 234 7

BORANG 2

[Subperaturan 3(1) dan 5(1)]

TAWARAN UNTUK MENGKOMPAUN KESALAHAN

Nombor rujukan : ……………………….................

Tarikh

: ..………………….…..................

[masukkan nama Pihak Berkuasa Pengawalseliaan dan Penyeliaan]

...........................................................

...........................................................

Kepada:

..........................................................

..........................................................

..........................................................

*Tuan/Puan,

Suatu penyiasatan telah dijalankan terhadap anda ………….......….…................………………….....

(nyatakan *nama individu/syarikat/perniagaan/badan lain dan nombor pendaftaran, jika ada) dan anda didapati telah melakukan kesalahan di bawah Akta Kredit

Pengguna 2025 [Akta 873]/peraturan-peraturan yang dibuat di bawah Akta dengan butir-butir seperti yang berikut:

(a)

peruntukan Akta/peraturan-peraturan yang berkaitan: ......................................

(b)

tarikh: ...........................................................................................................................................

(c)

masa: ..…………………………………………………………………………..…………………….....

(d)

tempat: ....…………………………………………………………………..………………….………..

P.U. (A) 234 8

(e)

**butir-butir kesalahan: .......................................................................................................

2.

Menurut subseksyen 118(2) Akta Kredit Pengguna 2025, dengan keizinan bertulis

Pendakwa Raya, anda ditawarkan suatu kompaun bagi kesalahan yang dinyatakan di atas bagi jumlah wang sebanyak RM ....................................................................................................................

(…………………………………………….............................……........... (dalam perkataan) ringgit sahaja).

3.

Jika tawaran untuk mengkompaun ini disetuju terima, bayaran hendaklah dibuat melalui—

(a)

*cek juruwang/draf bank dipalang dengan perkataan “Akaun Penerima

Sahaja” yang kena dibayar kepada [Pihak Berkuasa Pengawalseliaan dan Penyeliaan] ........................................................................................ dan hendaklah diserahkan sendiri secara serahan tangan atau dihantar melalui pos berdaftar kepada mana-mana pegawai yang diberi kuasa secara bertulis oleh [Pihak Berkuasa Pengawalseliaan dan Penyeliaan]

.............................................................. ke alamat [Pihak Berkuasa Pengawalseliaan dan Penyeliaan] ............................................................................................................; atau

(b)

*kad kredit/kad debit/kad caj/pemindahan wang secara elektronik ke dalam akaun [Pihak Berkuasa Pengawalseliaan dan Penyeliaan]

……..…………………………............…… (nombor akaun: …………………..........………….)

melalui mana-mana bank berlesen/bank Islam berlesen di Malaysia.

4.

Suatu resit rasmi akan dikeluarkan apabila pembayaran kompaun diterima.

5.

Tawaran untuk mengkompaun ini sah bagi tempoh tiga puluh hari bermula dari tarikh tawaran ini diterima oleh anda.

P.U. (A) 234 9 6.

Jika tiada bayaran diterima dalam tempoh yang disebut dalam perenggan 5, pendakwaan bagi kesalahan itu boleh dimulakan terhadap anda

........................................................... (nyatakan *nama individu/syarikat/perniagaan/badan lain dan nombor pendaftaran, jika ada) tanpa notis selanjutnya.

..………………………....................................…………………….....

[Pihak Berkuasa Pengawalseliaan dan Penyeliaan]

Nama:

Jawatan:

Cop rasmi:

*Potong mana-mana yang tidak berkenaan

**Nyatakan butiran dan gunakan lampiran jika perlu

P.U. (A) 234 10

BORANG 3

[Peraturan 4]

PENYETUJUTERIMAAN TAWARAN UNTUK MENGKOMPAUN KESALAHAN

Kepada:

[masukkan nama Pihak Berkuasa Pengawalseliaan dan Penyeliaan]

............................................................

............................................................

*Tuan/Puan,

Saya merujuk kepada Tawaran Untuk Mengkompaun Kesalahan dengan nombor rujukan

………..………………………………... bertarikh ………………………… .

2.

Saya mengaku bahawa saya telah melakukan kesalahan ini dan saya menerima tawaran untuk mengkompaun itu dan disertakan bersama-sama ini bukti pembayaran melalui *cek juruwang/draf bank dipalang dengan perkataan “Akaun Penerima Sahaja”

yang kena dibayar kepada [Pihak Berkuasa Pengawalseliaan dan Penyeliaan]

............................................................................../kad kredit/kad debit/kad caj/pemindahan wang secara elektronik sebanyak RM …………….................................................................................……………

(............................................................................................................... (dalam perkataan) ringgit sahaja)

sebagai penyelesaian penuh bagi jumlah wang yang dinyatakan dalam perenggan 2

Tawaran Untuk Mengkompaun Kesalahan.

Tandatangan

: …………...…………..…….............……………………………………..

**Nama (huruf besar)

: …………...…………..….............………………………………………..

*No. Kad Pengenalan/No. Pasport : …………...………...…..…..............……………………………………..

P.U. (A) 234 11

***Untuk dan bagi pihak

: …………...…………...............…………………………………………..

(jika berkenaan)

(nama *syarikat/perniagaan atau badan lain)

*** No. Pendaftaran Syarikat/

: …………...……................……..………………………………………..

No. Lesen/No. Permit

(jika berkenaan)

Alamat

: …………................……………..…………...…………..……………....

………...…...………..………………...…………...…………..…………

Tarikh

: …………...…………..……….............…………………………………..

*Potong mana-mana yang tidak berkenaan

**Nama orang yang kepadanya tawaran untuk mengkompaun itu dibuat atau nama pengarah bagi pihak syarikat/perniagaan/badan lain

***Dalam hal jika tawaran untuk mengkompaun itu dibuat kepada syarikat/perniagaan/badan lain

Dibuat 18 Jun 2026

DATUK SERI AMIR HAMZAH BIN AZIZAN

Menteri Kewangan II

Diluluskan 23 Jun 2026

TAN SRI MOHD DUSUKI BIN MOKHTAR

Pendakwa Raya Malaysia

P.U. (A) 234 12

CONSUMER CREDIT (COMPOUNDING OF OFFENCES) REGULATIONS 2026

IN exercise of the powers conferred by section 118 of the Consumer Credit Act 2025

[Act 873], the Minister, on the recommendation of the Commission, with the approval of the Public Prosecutor, makes the following regulations:

Citation and commencement 1.

(1)

These regulations may be cited as the Consumer Credit (Compounding of Offences) Regulations 2026.

(2)

These Regulations come into operation on 1 July 2026.

Compoundable offences 2.

(1)

The offences specified in the First Schedule are prescribed to be compoundable offences.

(2)

The compoundable offences may be compounded with the consent in writing of the Public Prosecutor in Form 1 of the Second Schedule.

Procedure for compounding 3.

(1)

Upon receipt of any information or complaint that a compoundable offence has been committed, the Regulatory and Supervisory Authority may, with the consent in writing of the Public Prosecutor referred to in subregulation 2(2), issue an offer to compound the offence in Form 2 of the Second Schedule.

(2)

An offer to compound an offence shall be valid for a period of thirty days starting from the date the offer is received by the person to whom the offer is made or such extended period as the Regulatory and Supervisory Authority may grant in writing, and if full payment of the sum offered is made on or before the expiry of the period of thirty days or such extended period granted, no further proceedings shall be taken against the person who committed such offence.

P.U. (A) 234 13

Acceptance of compound 4.

A person who accepts an offer to compound a compoundable offence shall accept the offer in Form 3 of the Second Schedule and return the Form 3 to the Regulatory and Supervisory Authority.

Payment of compound 5.

(1)

If an offer to compound an offence is accepted by the person to whom the offer is made, the person shall pay the compound by—

(a)

cashier’s cheque or bank draft crossed with the words

“Account Payee Only” made payable to the Regulatory and

Supervisory Authority and shall be delivered personally or sent by registered post to any officer authorized in writing by the

Regulatory and Supervisory Authority to the address specified in Form 2 of the Second Schedule; or

(b)

credit card, debit card, charge card or any other forms of electronic fund transfer into the Regulatory and Supervisory Authority’s account.

(2)

The Regulatory and Supervisory Authority shall issue an official receipt for every payment received under subregulation (1) to the person to whom the offer to compound an offence is made.

(3)

An official receipt issued under subregulation (2) shall include any electronic receipt if the payment is made through an electronic fund transfer.

Prosecution may be instituted if no payment made 6.

If no payment of the compound offered is made within the period specified in subregulation 3(2), prosecution may be instituted without further notice.

P.U. (A) 234 14

FIRST SCHEDULE

[Subregulation 2(1)]

COMPOUNDABLE OFFENCES

The offences committed under the provisions of the Consumer Credit Act 2025 [Act 873]

and any regulations made under the Act are prescribed as compoundable offences.

P.U. (A) 234 15

SECOND SCHEDULE

FORM 1

[Subregulation 2(2)]

CONSENT TO COMPOUND OFFENCES

IN exercise of the powers conferred by section 118 of the Consumer Credit Act 2025

[Act 873] and subsection 376(3) of the Criminal Procedure Code [Act 593],

I …………………………….……………………………………. (name) hereby give consent to compound

…………………………………………………...…………………………….. (name of the person to whom the compound offer is made) for the offence committed under ………………………………….

which is said to have been committed on …………………………………………………………… (date)

at …………………...………………………………………………………………………………...…………….. (place).

Date:

……………………………………

Public Prosecutor/

Deputy Public Prosecutor

P.U. (A) 234 16

FORM 2

[Subregulations 3(1) and 5(1)]

OFFER TO COMPOUND OFFENCE

Reference No.: ………………………………….……

Date

: ………………………………….……

[insert name of the Regulatory and Supervisory Authority]

…………………………………………

…………………………………………

To:

…………………………………………

…………………………………………

…………………………………………

*Sir/Madam,

An investigation has been conducted against you ………..………………………..………………………..

(state *name of individual/company/business/other body and the registration number, if any) and you are found to have committed an offence under the Consumer

Credit Act 2025 [Act 873]/regulations made under the Act with the following particulars:

(a)

relevant provision of the Act/regulations : ………………………………..……………..

(b)

date:………………………………………………………………………………………………………

(c)

time: ………………………………………………………….…………………………………………..

(d)

place: …………………………………………………...………………………………………………..

(e)

**particulars of the offence: …………………………………………………………………….

P.U. (A) 234 17 2.

Pursuant to subsection 118(2)

of the

Consumer

Credit Act 2025, with the consent in writing of the Public Prosecutor, you are offered a compound for the offence stated above for the sum of RM ……………………………..…………………………….

(…………………………………………………………..…………………………………. (in words) ringgit only).

3.

If this offer to compound is accepted, payment shall be made by—

(a)

*cashier’s cheque/bank draft crossed with the words “Account Payee Only”

made payable to the

[Regulatory and

Supervisory

Authority]

………………………………………………………..…. and shall be delivered personally by hand or sent by registered post to any officer authorized in writing by the [Regulatory and Supervisory Authority] ………………………….…………….

to the address of the [Regulatory and Supervisory Authority]

…………………………………………………….………………………………………………….. ; or

(b)

*credit card/debit card/charge card/electronic transfer fund into the account of the

[Regulatory and

Supervisory

Authority]

……………………………...…………….... (account number: …………………………………)

through any licensed bank/licensed Islamic bank in Malaysia.

4.

An official receipt shall be issued on receipt of payment of the compound.

5.

This offer to compound shall be valid for a period of thirty days starting from the date the offer is received by you.

6.

If no payment is received within the period referred to in paragraph 5, the prosecution for the offence may be instituted against you

……………………………………………..…… (state *name of individual/company/business/other body and the registration number, if any) without further notice.

……………..……………………………………………

[Regulatory and Supervisory Authority]

Name:

Designation:

Official stamp:

*Delete whichever is inapplicable

**State details and use appendix if necessary

P.U. (A) 234 18

FORM 3

[Regulation 4]

CONSUMER CREDIT (COMPOUNDING OF OFFENCES) REGULATIONS 2026

ACCEPTANCE OF OFFER TO COMPOUND OFFENCE

To:

[insert name of the Regulatory and Supervisory Authority]

…………………………………………

…………………………………………

*Sir/Madam,

I refer to the Offer to Compound Offence bearing the reference number

………………………………………….…. dated …………………………………. .

2.

I admit that I have committed this offence and I accept the offer to compound and enclosed herewith is the proof of payment by *cashier’s cheque/bank draft crossed with the words “Account Payee Only” made payable to the [Regulatory and Supervisory

Authority] ……………………………………….. /credit card/debit card/charge card/electronic fund transfer for the sum of RM ……………………………………………………………..…………………….

(……………………………………………………………………………………….……. (in words) ringgit only)

as full settlement of the sum stipulated in paragraph 2 of Offer to Compound Offence.

Signature

: ………………………………….…………………………………………

**Name (in capital letter)

: ……………………….……………………………………………………

*Identification No./Passport No.

: …………………………………….………………………………………

***For and on behalf

: ……………………………………………………………………….……

(if applicable)

(name of *company/business or other body)

*** Company Registration No./

: …………….………………………………………………………………

License No./Permit No.

(if applicable)

P.U. (A) 234 19

Address

: ............................................................................................................

............................................................................................................

Date

: …………...…………..…………………….............……………………..

*Delete whichever is inapplicable

**Name of the person to whom the offer to compound is made or name of the director on behalf of company/business/other body

***In the case where the offer to compound is made to company/business/other body

Made 18 June 2026

DATUK SERI AMIR HAMZAH BIN AZIZAN

Finance Minister II

Approved 23 June 2026

TAN SRI MOHD DUSUKI BIN MOKHTAR

Public Prosecutor of Malaysia