{"topic":"online_lending_apps","label":"Online Lending Apps","script_60s":"[0:00] HOOK — 'Phonebook scraping and debt-shaming are illegal.'\n[0:05] You've seen the ads. You've signed the contract. Pero alam mo ba ang totoo?\n[0:12] SEC MC 18-2019 prohibits contact-list scraping and harassment. (SEC Memorandum Circular No. 18, Series of 2019 §1.)\n[0:25] Pag tinatakot ka o pinagmumura, criminal yan.\n[0:35] Public posting of borrower's photo + 'scammer' label = libel + DPA violation.\n[0:45] May libreng tools sa labanph.org. Free letter builder. Free filing guide.\n[0:55] May reklamo ka? File mo. Hindi ka nag-iisa.\n[1:00] CTA: labanph.org — boses ng kumakayod.","script_30s":"[0:00] HOOK — Phonebook scraping and debt-shaming are illegal.\n[0:05] Bawal nang kunin ang contacts mo at i-text lahat. Ipa-file mo sa SEC.\n[0:12] Threatening, obscene, or shaming messages to borrowers/contacts are violations.\n[0:20] Free tools sa labanph.org. Walang bayad para mag-file.\n[0:28] CTA: tag mo si labanph kapag may reklamo ka.","caption":"Online Lending Apps — Phonebook scraping and debt-shaming are illegal.\n\nSEC MC 18-2019 prohibits contact-list harvesting and threatening messages by online lending apps.\n\nTop 3 facts you should know:\n1. SEC MC 18-2019 prohibits contact-list scraping and harassment.\n2. Threatening, obscene, or shaming messages to borrowers/contacts are violations.\n3. Public posting of borrower's photo + 'scammer' label = libel + DPA violation.\n\nFree filing tools: labanph.org\nDM @labanph for help with your case.","hashtags":["#LabanPH","#ConsumerRightsPH","#Onlinelendingapps","#KonsyumerLaban","#PinoyAdvocacy"],"b_roll":["Phone screen showing online lending apps contract / app permissions screen.","Hands signing a paper contract (close-up).","labanph.org homepage scroll on mobile (call-to-action shot)."],"music_advice":"Use a royalty-free Tagalog spoken-word or instrumental track at -14 LUFS for TikTok/Reels.","fact_check_url":"https://labanph.org/cases"}