The app was delisted / had its SEC license revoked — do I still owe?
Last updated: 2026-07-12 · Educational content; not legal advice.
Short answer
When the SEC revokes a lender's Certificate of Authority or cancels its registration, that company can no longer legally operate, lend, or collect as a licensed financing/lending entity under RA 9474 and SEC MC 19 (2019). A loan you actually received generally remains a civil obligation, but the revoked operator loses its authority to run after you, and any collection must still be lawful — interest above the SEC MC 3, s. 2022 caps and any harassment remain void and prohibited. This is different from an app that merely shut down (you may still owe a lawful balance) and from one that was never registered at all. Check the SEC's advisories and revocation orders for the entity, keep your payment records, and route any complaint to the SEC.
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Frequently asked
If the SEC revoked their license, is my debt cancelled?
Not automatically. A loan you genuinely received is usually still a civil obligation, but the revoked entity loses its authority to operate and collect. Any interest above the SEC MC 3 (2022) caps and any harassment remain void, and you can raise the revocation with the SEC.
How do I confirm the app was actually delisted?
Check the SEC's published advisories and revocation orders for the company name and any of its app aliases. Keep a screenshot of the entry and your own payment records in case you need them for a complaint.
Can a revoked lender keep chasing me?
It has lost its authority to operate as a lending or financing company, and collection that uses threats, contact-scraping, or public shaming is prohibited under SEC MC 18 regardless. Log any such contact and report it to the SEC and, for data misuse, the NPC.
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Interest caps, licensing, and how to complain about online lending apps in the Philippines.