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Regulatory Watch · Consumer Protection
Published 2026-02-14
Reporting and explanation are kept apart deliberately. The left pane is an account of what happened; the right is our reading of what it means.
What changed — reporting
The Federal Competition and Consumer Protection Act 2018 established a consolidated framework for competition and consumer protection in Nigeria, and created the Federal Competition and Consumer Protection Commission.
The Act addresses misleading representations, unfair terms and practices, and anti-competitive conduct.
What it means — our explanation
For most businesses this lands in marketing and in standard terms, not in competition law. What you claim, how you display price, and what your terms try to exclude are the everyday touchpoints.
Terms drafted to exclude every possible liability are not made effective by being written confidently. Unfair terms sit within the Act's scope, and a term presented after the customer has already committed is weaker still.
Complaint handling is the quiet risk area. A complaint that is recorded and answered rarely escalates; one that is ignored is the one that reaches a regulator or a public forum.
The Act is in force. Confirm current guidance and sector-specific requirements with the Federal Competition and Consumer Protection Commission.
Considerations, not requirements. What actually applies depends on your circumstances.