T The development of credit practices has encouraged the use of a power of attorney to sell collateral as security for the repayment of debt by debtors. however, the preparation of such a power of attorney simultaneously with the credit agreement, prior to the debtor\\\'s default, raises legal issues concerning its legal standing, the potential existence of defects of consent, the fulfillment of the requirement of a lawful cause, and the legal protection afforded to customers. this research aims to analyze the legal standing of the power of attorney to sell collateral and the adequacy of legal protection for customers based on decision number 44/pdt.g.s/2021/pn sng. this research employs normative legal research with a descriptive approach, utilizing secondary data obtained through library research on legislation, legal doctrines, and court decisions. the data were subsequently analyzed qualitatively, with conclusions drawn deductively. the results of the research indicate that the power of attorney to sell collateral constitutes an accessory agreement that must fulfill the validity requirements of an agreement as stipulated in article 1320 of the indonesian civil code (kuhperdata). however, its execution prior to the debtor\\\'s default is inconsistent with article 12a of the banking law. therefore, the implementation of customer protection must prioritize the principles of prudence, legal certainty, balance, and legal protection for customers.