Brunei darussalam: Central Bank BDCB reminds the public to only deal with financial institutions licensed by BDCB and to avoid engaging with any unlicensed companies or individuals offering financial products or services. Activities that require licensing from BDCB include deposit-taking, money lending, investment schemes, insurance or takaful services, money remittance, money changing, and pawnbroking. According to Radio Television Brunei, the reminder was issued as unauthorised financial service offerings have become increasingly common on social media and online platforms, where unlicensed entities may use misleading information and persuasive tactics to target members of the public, particularly those in vulnerable situations. The public are strongly advised to ensure that any company or individual offering financial services is licensed by BDCB before entering into any financial transaction or commitment. Dealing with unlicensed or unregulated entities can expose consumers to significant financial risks , such as losing their money with little or no chance of recovery, being misled by false promises of returns, facing hidden fees or unfair terms, and having no access to proper complaint channels or regulatory protection under BDCB's framework. In this regard, the public are encouraged to check BDCB's list of licensed financial institutions at 'bdcb.gov.bn'; refer to the BDCB Alert List for entities known or suspected of operating without authorisation; and avoid sharing sensitive personal or financial information with unknown or unverified parties. Members of the public who fall victim to such activities are advised to lodge a report immediately with the Royal Brunei Police Force or by calling the Anti-Scam Helpline 16993. If you encounter or suspect any individual or entity offering unlicensed financial services, contact BDCB at 838 0007 during working hours, or email '[email protected]'.