Providing funds for consumers by a finance company (bank) to buy consumer goods whose payments are made by the installments or conducted periodically by consumers called as financing or consumer credit. The responsibilities of the public appraisal service in the appraisal agreement with the service user, it is stated that the appraisal service company responsibility is only limited due to the time and place of the implementation of assessment, where the appraisal service company is responsible for assets and reports other than those that occur after time and the place stated in the report is no longer the responsibility of the appraisal service company after conducting an appraisal and issuing the report. The legal material analysis technique was conducted by using grammatical and systematic interpretation. The results obtained in this study indicated that there is a repressive legal protection that can be provided to banks as a disadvantaged party due to a default of public appraisers in the appraisal report. The protection is in the form of completing a civil suit on the basis of tort or civil suit on the basis of acts against the law. In addition, banks can also propose a criminal suits on the basis of fraud. The need for special arrangements regarding the appraisal agreement and accountability of public appraisers, in order to prevent things that can harm the parties concerned and maintain the reputation of the public appraiser as a professional service.