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Loan apps: NDPC investigating over 400 cases of privacy breaches

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Loan apps: NDPC investigating over 400 cases of privacy breaches

The Nigeria Data Protection Commission (NDPC) is currently investigating over 400 cases of privacy breaches involving digital lenders, popularly known as loan apps.

This is even as the data protection authority is seeking a ban or restriction on mobile numbers found to have been used by lenders to breach the privacy of their customers.

The Commission in its Annual Report 2023 released recently, noted that its ongoing investigations have revealed that “loan apps are overly intrusive”. This is, however, an already known fact considering the barrage of complaints by loan app users over the years.

“They generally violate the principles of Data Protection and Privacy because they have access to contacts, pictures, messages, etc. of data subjects,” the Commission stated.

This indicated that despite an April 2023 policy introduced by Google banning loan apps from accessing photos and contacts of users, the practice has continued.

Systemic problem
Acknowledging that privacy breaches by loan apps are a systemic problem, the Commission said it is also adopting a systemic solution by working with other regulators and third-party platforms being used by the lenders.

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“Over 400 cases of privacy breaches involving shadowy loan sharks are being addressed at the systemic level.
“The Commission has now drafted the Nigeria Data Protection Act-General Application and Implementation Directive (NDPA-GAID) which addresses the abetment of data breaches, the need for data ethics and privacy by design and by default among others.
“Under abetment, the third-party platforms through which data privacy breaches take place will now be required to deny access to those who use their platforms for privacy breaches.
“Organizations, particularly communication networks should be willing to restrict or ban telephone lines that are implicated in privacy violations,” it said.
The NDPC added that it is also collaborating with regulators under the Joint Enforcement and Regulatory Taskforce, to sanitize the digital lending space. It noted that the Federal Competition and Consumer Protection Commission (FCCPC) now requires lending companies to obtain data protection clearance from NDPC before operation.

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More complaints
Earlier this year, Citizens’ Gavel, a consumer rights organization, has lodged a formal complaint with FCCPC, urging immediate action against 30 unlicensed digital money lenders operating in Nigeria.

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The group’s investigation, sparked by over 600 consumer complaints, identified these lenders as employing “crude, unprofessional, and illegal means” to collect debts, including defamation, cyberbullying, and even death threats.

It implored the FCCPC to collaborate with stakeholders such as the Central Bank of Nigeria (CBN) and the National Information Technology Development Agency (NITDA) to thoroughly address alleged abuse and unethical practices of unregistered and unlicensed digital money lenders in the country.

“Citizens’ Gavel has identified a disturbing trend where unlicensed digital money lenders employ crude, unprofessional and illegal means to coerce customers into settling outstanding debts.
“With over 600 complaints received against these entities, our investigations have meticulously pinpointed 30 companies engaged in unethical practices.
“We note the importance of the FCCPA 2018, the cornerstone legislation for regulating competition and safeguarding consumer rights in Nigeria.
“Despite these regulations, loan apps continue to engage in unethical conduct, including defamation and unfair business practices.
“Citizens’ Gavel implores the FCCPC to collaborate with stakeholders such as NITDA, CBN, and NDPC to comprehensively address the abuse and unethical practices of unregistered and unlicensed digital money lenders,” the organization said in a statement signed by its Communications Associate, Ms Rachael Adio.
The organization also said that it had compiled a comprehensive report, including evidence of defamation and Corporate Affairs Commission search reports, serving as annexures. It called for specific and more stringent laws to safeguard consumers from misleading advertisements, false claims, and deceptive practices.

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Black Market Dollar (USD) To Naira (NGN) Exchange Rate Today 13th September 2025

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What is the Dollar to Naira Exchange rate at the black market also known as the parallel market (Aboki fx)?

See the black market Dollar to Naira exchange rate for yesterday 11th September, below. You can swap your dollar for Naira at these rates.

The exchange rate for a dollar to naira at Lagos Parallel Market (Black Market) players buy a dollar for N1525 and sell at N1550 yesterday 12th September 2025, according to sources at Bureau De Change (BDC).CLICK LINK TO CONTINUE READING

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Yemi Cardoso CBN Governor

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EXPOSED: Truth About Peter Obi’s Son Revealed, Close Friend Speaks

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Amidst swirling rumors surrounding Oseloka Obi, the son of Peter Obi, the Labour Party’s presidential candidate for 2023, a new twist has emerged regarding persistent allegations about his gender identity.

In response to a flurry of speculation, Oseloka has taken a stand against the viral claims connecting him to homosexuality, which were sparked by the circulation of photographs featuring him alongside Kent Okwesa, a British-Nigerian based in London. Click link to continue reading.

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MANCHESTER DERBY: Erling Haaland Vows To Revenge Against United

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“We’ve lost two games in a row, it’s not good enough, it’s way too bad,” he said, speaking to Viaplay in Norway. “We need to figure it out, get back to winning ways.

Pep Guardiola’s side are in the bottom half of the Premier League table heading into the clash having lost back-to-back matches against Tottenham and Brighton before the international break. Click link to continue reading.

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REVELEAD: Why Pastor Kumuyi Is Changing Some Deeper Life Principles

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The General Superintendent of the Deeper Christian Life Ministry, Pastor William Folorunsho Kumuyi, has announced a series of changes to some of the long-standing rules of the church, saying many of them were never scriptural but were introduced for administrative purposes.

Pastor Kumuyi, widely regarded as one of the most influential church leaders in the world, is the founder of Deeper Life Bible Church, which began in 1973 as a small Bible study group in Lagos.

UNTOLD STORY: How I Married My Second Wife When She Was 65 – Kumuyi Reveals

Over the decades, the ministry has grown into a global Christian movement. The Lagos headquarters alone attracts over 120,000 worshippers weekly, placing it among the five largest single congregations worldwide. In Nigeria, the church boasts more than one million members with over 5,000 branches, and a further 3,000 branches spread across Africa, Europe, and North America.

Speaking at the church 2025 Global Family and Marriage Conference, Pastor Kumuyi announced modifications to certain marriage rules that had long been regarded as doctrinal. He clarified that many of these practices were never rooted in the Bible but were merely administrative guidelines designed to provide structure.

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One of the major changes is the cancellation of the restriction that prevented a lady from visiting her suitor before marriage. According to Kumuyi, intending couples may now visit each other during courtship, provided they are accompanied by an elder. The long-held six-month mandatory courtship period has also been scrapped. “We just felt you need some time to know one another. And then we said one month will be too short, two months too short. So, why not six months? But it is not from the Bible,” he said.

He stated the importance of Christians being able to distinguish between God’s commandments and church traditions.“As a Christian, you need to be so mature that you know the difference between the law of God and the principles in the church. Six months is all right, but it’s not something inflexible. If we change it to three months, we’re not changing the Bible, because six months is not in the Bible,”

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Pastor Kumuyi also clarified the role of marriage committees in Deeper Life, noting that their purpose was to provide guidance and not to exercise authority beyond what is written in the scriptures. “There’s no marriage committee in the New Testament. We created it to help you, not because we can give you a chapter and a verse. It is church administration,” he stated.

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These changes are seen by people as another step in the ongoing review of church practices that many members and outsiders have often considered too strict. Since founding the church has faced both admiration and criticism for its distinct doctrines. Some of its earlier beliefs and practices have either been misinterpreted or have since evolved:

Technology Use: The church, which once opposed television and modern gadgets, now embraces media and social platforms for evangelism.read the gospel.

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Marriage Rules: Inter-church marriages are now accepted, provided the partner is from a Bible-believing church with a holy standard of living.

Dress Code: The church still emphasizes modesty, but women no longer have to tie scarves at all times, and men are not strictly bound to suits.

Medical Treatment: While rumors once suggested Deeper Life discouraged hospital visits, today members are encouraged to seek proper medical care when needed.

Christmas Celebrations: Although many members spend Christmas at church camps, the church has clarified that celebrating Christmas is not forbidden.

Other misconceptions, such as supposed food restrictions or claims that Pastor Kumuyi had relocated to the UK, have also been dispelled.

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Through these reforms, Pastor Kumuyi is reinforcing his long-held belief that while order is necessary in the church, it must never be mistaken for scripture.

Source: City People

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Black Market Dollar (USD) To Naira (NGN) Exchange Rate Today 12th September 2025

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What is the Dollar to Naira Exchange rate at the black market also known as the parallel market (Aboki fx)?

What is the Dollar to Naira Exchange rate at the black market also known as the parallel market (Aboki fx)?

See the black market Dollar to Naira exchange rate for yesterday 11th September, below. You can swap your dollar for Naira at these rates.

The exchange rate for a dollar to naira at Lagos Parallel Market (Black Market) players buy a dollar for N1530 and sell at N1550 yesterday 11th September 2025, according to sources at Bureau De Change (BDC).CLICK LINK TO CONTINUE READING

READ ALSO  Black Market Dollar (USD) To Naira (NGN) Exchange Rate Today 13th September 2025

Aboki BDC

Yemi Cardoso CBN Governor

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2027: Jonathan’s running mate picked as campaign posters hit internet

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The likelihood of former President Goodluck Ebele Jonathan entering the presidential race in 2027 is becoming increasingly apparent, particularly given the recent developments surrounding his potential candidacy.

Reports suggest that Jonathan is discreetly meeting with key political figures across the country, which adds to the anticipation surrounding his possible return to politics. Click link to continue reading.

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