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โ€˜URA must protect, not risk ownersโ€™

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Created: 08 September 2025

PANDUANKINI | Akta Pembaharuan Semula Bandar - Apa kita tahu setakat ini?PETALING JAYA: There should be greater houseowner protection, transparency, and a reduction in ministerial power to prevent potential misuse and ensure fair treatment of property owners in the implementation of the proposed Urban Renewal Act (URA), say stakeholders.

The Federation of Malaysian Consumers Associations (Fomca) vice-preยญsident Datuk Indrani Thuraiยญsingยญham said redevelopment needs must be balanced with fairness, transparency, and sustainability.

โ€œWithout robust consumer safeguards, urban renewal risks displacing vulnerable communities and undermining public trust,โ€ she said in an interview yesterday.

Indrani said that the legislation, recently tabled for its first reading in Parliament, lacks provisions to prevent displacement without secuยญre, affordable rehousing options.

โ€œVulnerable groups, such as the elderly and low-income households, are particularly at risk. Renewal should preserve community bonds and cultural heritage, not destroy them,โ€ she added.

Read more: โ€˜URA must protect, not risk ownersโ€™

RM100 SARA aid meaningful if spent wisely, says FOMCA

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Created: 02 September 2025

Image for visual purposes - Photo by BernamapixKUALA LUMPUR: The one-off RM100 Basic Rahmah Contribution for every Malaysian citizen aged eighteen and above can have a meaningful impact if used wisely.

Federation of Malaysian Consumers Associations chief operating officer Nur Asyikin Aminuddin said the initiative can help ease the peopleโ€™s burden in purchasing daily essentials.

She stated that the governmentโ€™s initiative through the MyKasih programme deserves recognition as it offers a wide range of basic goods at prices significantly lower than usual.

โ€œWith RM100, people can not only purchase essential goods in larger quantities but also enjoy meaningful savings through the MyKasih programme,โ€ she said in a statement.

Nur Asyikin added that the RM100 assistance also stimulates the local economy, benefiting not only recipients but also supporting the countryโ€™s overall economic cycle.

Read more: RM100 SARA aid meaningful if spent wisely, says FOMCA

No intimidation allowed

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Created: 02 September 2025

PETALING JAYA: In Malaysia, old debts canโ€™t haunt you forever.

Thanks to the Limitation Act, many debts vanish after six years, unless the debtor acknowledges them.

And any attempt to revive these โ€œtime-barredโ€ debts through intimidation or coercion is unlawful.

Federation of Malaysian Consumers Associations (Fomca) vice-president Datuk Indrani Thuraisingham said that Fomca, through the National Consumer Complaints Centre, frequently receives reports of harassment over old debts, some dating back nearly 30 years.

โ€œThey usually involve threats of blacklisting, misleading instalment plans and a lack of transparency when banks sell old debts to third-party collectors,โ€ she said.

She said Malaysians should know their rights in the face of aggressยญive debt collection practices.

โ€œWe must know that under the Limitation Act, most debts become legally unenforceable after six years unless legal action has been taken within that period.

Read more: No intimidation allowed

Household size, dependents must be factored in RON95 subsidy eligibility say groups

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Created: 28 August 2025

- NSTP FILE PICKUALA LUMPUR: The government's decision to factor in household income, property and luxury vehicle ownership to determine eligibility for the RON95 fuel subsidy must be broadened to reflect a more accurate picture of household well-being, said the Federation of Malaysian Consumers Associations (Fomca).

Its chief executive officer, T. Saravanan, said household size and the number of dependents should also be taken into account, as they directly affect how far a family's income can stretch.

"Regional differences in the cost of living also play a major role, as urban households face significantly higher expenses compared to rural ones.

"Additionally, special circumstances such as medical burdens, single-parent families or households caring for disabled members should not be ignored," he told the New Straits Times.

Earlier, the government announced that ownership of property and luxury vehicles, alongside monthly income, will now be among the benchmarks in determining eligibility for the RON95 subsidy, as part of efforts to phase out blanket subsidies and channel aid to those most in need.

Saravanan said the current criteria were not sufficient to capture the full financial pressures faced by families.

Read more: Household size, dependents must be factored in RON95 subsidy eligibility say groups

Buyers trapped for years hope Build-Then-Sell model ends housing nightmares

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Created: 28 August 2025

NSTP file pic, for illustration purposes only. AI-generated image.KUALA LUMPUR: In 2018, Mohd Shahrizan Sukirman signed an agreement to buy a property in Gombak for RM299,900.

Fast forward to 2025, the house is still not ready. However, he is still paying RM1,600 in monthly instalments.

He believed that the "Build-then-Sell" (BTS) model could save other house buyers from his fate.

"If a developer manages to fully complete the houses before selling them, it will give confidence to buyers. That way, there will be no cases of abandoned housing projects."

On the planned incentives for housing developers that adopt the BTS model, he said it should also address the plight of buyers like him.

Meanwhile, Federation of Malaysian Consumers Associations chief executive officer Dr Saravanan Thambirajah said the incentives were a step towards rebalancing risks between developers and buyers.

He said affected buyers could not wait until 2030 for stronger protections, adding that abandoned and delayed housing projects continued to cause hardship to buyers and their families.

He urged the government to set clear timelines and enforcement mechanisms to phase in BTS well before 2030.

He said incentives could ease developers' financing concerns.

Saravanan also highlighted concerns with the "Sell-then-Build" model, which "exposes consumers to severe risks if projects are delayed or abandoned, leaving families burdened with loans but without homes".

 

 

Malaysian homeowners not protected in current form of Urban Renewal Act, says Fomca

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Created: 28 August 2025

Anwar clarifies Urban Renewal Act will protect property owners, not  displace Malays and BumiputerasPETALING JAYA: Malaysia is not ready for the Urban Renewal Act (URA) in its current form as it is too sensitive, says Federation of Malaysian Consumers Associations (Fomca) chief executive officer Dr T. Saravanan.

โ€œThe Act is too far-reaching, and too dangerous to be rushed into Parliament without a fundamental revamp and genuine stakeholder consultation. At stake are the very homes, livelihoods, and security of Malaysian families,โ€ he said.

Saravanan added that safeguards must be put in place to protect homeowners, as developers have been approaching residents with half-truths and promises that are either misleading or incomplete or applying pressure to sign consent documents.

โ€œFor most Malaysians, a home is their largest lifetime investment, built through decades of hard work and representing priceless family memories. To expose citizens to such risks without strong safeguards is unacceptable,โ€ he added.

Saravanan then said that if the URA is introduced in its current state, it will tilt the balance dangerously in favour of developers, effectively becoming a developersโ€™ charter instead of a peopleโ€™s charter.

โ€œFomca insists that a 95% consent threshold is the only acceptable safeguard. Any lower threshold โ€” whether 75 or 80% โ€” would open the door to forced displacement,โ€ he added.

Read more: Malaysian homeowners not protected in current form of Urban Renewal Act, says Fomca

(BM) FOMCA SIARAN MEDIA: AKTA PEMBAHARUAN BANDAR MESTI DIROMBAK โ€” KERAJAAN DAN AHLI PARLIMEN WAJIB DENGAR SUARA RAKYAT SEBELUM DIBENTANG

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Created: 22 August 2025

TARIKH SIARAN: 22 OGOS 2025

fomcaKepada Ketua Editor,

SIARAN MEDIA: AKTA PEMBAHARUAN BANDAR MESTI DIROMBAK โ€” KERAJAAN DAN AHLI PARLIMEN WAJIB DENGAR SUARA RAKYAT SEBELUM DIBENTANG

Gabungan Persatuan-persatuan Pengguna Malaysia (FOMCA) menggesa Kerajaan untuk menangguhkan pembentangan Rang Undang-Undang Akta Pembaharuan Bandar (URA) yang sedia ada. Akta ini terlalu sensitif, memberi kesan besar kepada rakyat, dan amat berisiko jika dibawa ke Parlimen tanpa rombakan menyeluruh serta rundingan yang telus dan inklusif bersama pihak berkepentingan. Apa yang dipertaruhkan bukan sekadar bangunan atau tanah, tetapi rumah, mata pencarian, dan keselamatan hidup rakyat Malaysia.

Walaupun konsep pembaharuan bandar boleh membawa manfaat seperti pemodenan infrastruktur dan menaik taraf kemudahan awam, namun Malaysia masih belum bersedia untuk melaksanakan undang-undang ini. Laporan di lapangan menunjukkan pemaju telah pun mendekati penduduk dengan janji-janji yang mengelirukan, maklumat yang tidak lengkap, atau sengaja dimanipulasi untuk memujuk pemilik rumah supaya memberi persetujuan. Lebih membimbangkan, terdapat juga insiden intimidasi yang menekan penduduk untuk menandatangani dokumen persetujuan. Bagi majoriti rakyat Malaysia, rumah adalah pelaburan terbesar sepanjang hayat โ€” hasil titik peluh bertahun-tahun dan lambang kenangan keluarga. Adalah zalim jika rakyat dipaksa menerima risiko kehilangan rumah mereka tanpa perlindungan undang-undang yang kukuh.

Sekiranya URA dikuatkuasa, keseimbangan kuasa akan berpihak sepenuhnya kepada pemaju. Akta ini berpotensi menjadi โ€œpiagam pemajuโ€ dan bukan โ€œpiagam rakyatโ€. Justeru, FOMCA menegaskan bahawa ambang persetujuan minimum sebanyak 95 peratus daripada pemilik rumah yang terlibat mesti dijadikan syarat mandatori. Ambang yang lebih rendah, seperti 75 atau 80 peratus, bererti sejumlah besar keluarga berisiko kehilangan rumah mereka walaupun mereka tidak bersetuju. Dalam sebuah blok yang mempunyai 100 unit, ambang 80 peratus membolehkan 20 keluarga dipaksa keluar walaupun mereka menolak. Ramai daripada mereka yang membantah mungkin mempunyai alasan yang kukuh seperti masalah kewangan, nilai sentimental, atau tidak yakin dengan tawaran pampasan yang dicadangkan. Ambang 95 peratus adalah jaminan minimum untuk memastikan pembangunan semula hanya dijalankan dengan sokongan majoriti yang benar-benar besar dan memaksa pemaju berunding secara adil.

Read more: (BM) FOMCA SIARAN MEDIA: AKTA PEMBAHARUAN BANDAR MESTI DIROMBAK โ€” KERAJAAN DAN AHLI PARLIMEN WAJIB...

(ENG) PRESS RELEASE: URBAN RENEWAL ACT MUST BE REVAMPED โ€” GOVERNMENT AND MPs MUST HEAR THE RAKYAT BEFORE TABLING

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Created: 22 August 2025

DATE OF RELEASE: 22nd AUGUST 2025

fomca

Dear Editor,

PRESS RELEASE: URBAN RENEWAL ACT MUST BE REVAMPED โ€” GOVERNMENT AND MPs MUST HEAR THE RAKYAT BEFORE TABLING

The Federation of Malaysian Consumers Associations (FOMCA) strongly urges the Government not to table the Urban Renewal Act (URA) in its current form. The Act is too sensitive, too far-reaching, and too dangerous to be rushed into Parliament without a fundamental revamp and genuine stakeholder consultation. At stake are not just buildings and land but the very homes, livelihoods, and security of Malaysian families.

While urban renewal can bring positive benefits such as modernising infrastructure and upgrading public amenities, Malaysia is not ready for such a sweeping law. On the ground, developers have already been approaching residents with half-truths and promises that are either misleading or incomplete. Too often, critical details on compensation, relocation, or project timelines are hidden, leaving homeowners unable to make informed decisions. Even more troubling, there are instances of intimidation where residents feel pressured to sign consent documents. For most Malaysians, a home is their largest lifetime investment, built through decades of hard work and representing priceless family memories. To expose citizens to such risks without strong safeguards is unacceptable.

If the URA is introduced in its current state, it will tilt the balance dangerously in favour of developers, effectively becoming a developersโ€™ charter instead of a peopleโ€™s charter. FOMCA insists that a 95 percent consent threshold is the only acceptable safeguard. Any lower threshold โ€” whether 75 or 80 percent โ€” would open the door to forced displacement. In a 100-unit block, for instance, an 80 percent threshold would mean 20 families could lose their homes against their will. These dissenters are not obstacles; they may have very valid reasons โ€” financial constraints, deep sentimental ties to their homes, or distrust in the compensation process. A 95 percent safeguard ensures that redevelopment can only proceed with overwhelming community support and compels developers to negotiate fairly instead of forcing through projects with a slim majority.

Read more: (ENG) PRESS RELEASE: URBAN RENEWAL ACT MUST BE REVAMPED โ€” GOVERNMENT AND MPs MUST HEAR THE RAKYAT...

Langkah wajib papar preskripsi dan bil perubatan lindungi pengguna

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Created: 11 August 2025

BERNAMA - Langkah Wajib Papar Preskripsi, Bil Perubatan Lindungi Pengguna  Dari Caj Tersembunyi - FomcaPUTRAJAYA: Gabungan Persatuan Pengguna Malaysia (FOMCA) menyokong langkah kerajaan mewajibkan paparan preskripsi ubat dan bil perubatan di fasiliti kesihatan swasta.

Ketua Pegawai Eksekutif FOMCA Dr Saravanan Thambirajah berkata langkah ini penting untuk melindungi pengguna daripada caj tersembunyi.

Beliau menegaskan langkah ini tidak mencabar hak profesional doktor tetapi memastikan perkhidmatan kesihatan berfokuskan pesakit.

โ€œKajian menunjukkan pengguna boleh jimat 40 hingga 50 peratus jika harga ubat dikawal,โ€œ katanya.

Perbelanjaan kesihatan swasta semakin meningkat sama ada melalui insurans atau bayaran terus oleh pengguna.

Saravanan berkata ketelusan dalam bil perubatan penting untuk mengelak amalan tidak beretika.

Read more: Langkah wajib papar preskripsi dan bil perubatan lindungi pengguna

Itemised billing ensures healthcare remains patient-focused, says Fomca

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Created: 11 August 2025

No shortage of medicine supplies in Malaysia, says health ministry - CNAPETALING JAYA: Itemised bills for every consultation and medical charges at private clinics do not undermine clinical practice but ensure healthcare remains patient-focused and ethically delivered, says the Federation of Malaysian Consumers Associations (Fomca).

Its chief executive officer, Dr T. Saravanan, said issuing a detailed bill empowers patients with the knowledge to compare prices or seek more affordable outlets.

โ€œIt dismantles the information asymmetry that has long allowed profiteering under the guise of medical convenience,โ€ he said in a statement on Friday (August 8).

Saravanan added that consumers, especially the elderly, the chronically ill, and lower-income groups, have long been voiceless and disadvantaged due to opaque pricing.

โ€œThe governmentโ€™s reform restores their agency, reduces unjust markups, and brings our healthcare system up to international standards,โ€ he said.

Read more: Itemised billing ensures healthcare remains patient-focused, says Fomca

  1. Itemised billing ensures healthcare remains patient-focused, says Fomca
  2. (BM) FOMCA SIARAN MEDIA: KETELUSAN DALAM PENJAGAAN KESIHATAN SWASTA - โ€˜PRESKRIPSIโ€™ YANG SEKIAN LAMA DIPERLUKAN
  3. (ENG) FOMCA PRESS RELEASE: TRANSPARENCY IN PRIVATE HEALTHCARE - A PRESCRIPTION LONG OVERDUE
  4. Tax or total ban on vape products?
  5. โ€˜Trade deal unlikely to ease cost of livingโ€™
  6. โ€˜Nuclear energy can waitโ€™
  7. FOMCA sambut baik pengumuman PMX, dapat ringankan kos sara hidup
  8. Perluasan bantuan tunai langkah inklusif yang tepat- FOMCA
  9. Whatโ€™s next after one-off cash aid?
  10. Fomca welcomes RM100 one-off aid, urges stronger price control and wise spending
  11. FOMCA calls for tougher action on electricity theft amid RM4.8 billion losses
  12. Dewan Rakyat lulus RUU Kredit Pengguna 2025, suruhanjaya pantau sektor kredit tidak terkawal secara berfasa
  13. Fomca calls for major policy shift
  14. Govt mulls โ€˜AI generatedโ€™ label under Online Safety Act, says Fahmi
  15. Beli barangan Malaysia, buka lebih banyak peluang pekerjaan

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๐Œ๐€๐‰๐€๐‹๐€๐‡ ๐‘๐ˆ๐๐†๐†๐ˆ๐“ ๐„๐ƒ๐ˆ๐’๐ˆ ๐ƒ๐ˆ๐†๐ˆ๐“๐€๐‹ ๐Ÿ“ฒ
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๐ƒ๐€๐๐€๐“๐Š๐€๐ ๐ˆ๐๐…๐Ž & ๐“๐ˆ๐ ๐Š๐„๐–๐€๐๐†๐€๐ ๐“๐„๐‘๐Š๐ˆ๐๐ˆ ๐’๐„๐‚๐€๐‘๐€ ๐ƒ๐ˆ๐†๐ˆ๐“๐€๐‹
๐Œ๐€๐‰๐€๐‹๐€๐‡ ๐ƒ๐ˆ๐†๐ˆ๐“๐€๐‹ ๐‘๐ˆ๐๐†๐†๐ˆ๐“ adalah usahasama Gabungan Persatuan-Persatuan Pengguna Malaysia (FOMCA) dan Agensi Kaunseling dan Pengurusan Kredit (AKPK) untuk menyampaikan pendidikan kewangan kepada anda.

๐Ÿ“š Baca & Muat Turun kesemua edisi RINGGIT melalui pautan:

MAJALAH CEKAP

CEKAP07 CoverSM 01

MAJALAH CEKAP
Edisi 7 - JANUARI 2025


Mahukan tip pengurusan dan kecekapan tenaga?

Dapatkan CEKAP terbitan FOMCA serta Tenaga Nasional Berhad (TNB) untuk rujukan anda. 

Baca & Muat Turun kesemua edisi CEKAP melalui pautan di bawah:

MAJALAH GENERASI PENGGUNA

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MAJALAH GENERASI PENGGUNA
EDISI 2024


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