HomeBusinessHow court ruling restricts FCCPC powers over digital lending

How court ruling restricts FCCPC powers over digital lending

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A Federal High Court in Lagos delivered a landmark judgment on Monday clarifying how two major regulators share authority over airtime lendingJustice Ambrose Lewis-Allagoa ruled on the FCCPC’s DEON Regulations 2025, raising questions about five companies already approved under the frameworkALTON chairman Gbenga Adebayo called for a formal coordination framework between the FCCPC and NCC after the ruling

The Federal High Court in Lagos has ruled that the Federal Competition and Consumer Protection Commission (FCCPC) has the legal authority to regulate airtime and data credit services, but cannot issue licences to telecommunications operators.

Justice Ambrose Lewis-Allagoa delivered the judgment on Monday in Suit No. FHC/L/CS/760/2026, drawing a clear boundary between the powers of the FCCPC and those of the Nigerian Communications Commission (NCC) in the airtime lending market.

Court limits FCCPC's power in regulating digital lendingWhy FCCPC can no longer issue new licences under a new court ruling. Credit: Novatis
Source: Getty Images

What the court decided

The court found that the Digital,

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