Banking industry is one sector for boosting the Indonesia's economic wheel where banking environment functioned as a mediator of customers who save money and a creditor for customers in need of loans for their businesses. One of the banking institutions in Indonesia is P.T. Bank Lippo, Tbk., one of a prestigious player on the Indonesia's financial sector. In running the business, such as : credit disbursement, could not avoid problems such as interest rate that been taken to customers, in this case, the lenders. Interest rate policy is maintained by Asset and Liability Committee (ALCO), a policy-making unit that become a central component should stand on every single Bank; since ALCO is internationally standardized. ALCO's product issuance either to lenders or borrowers and the implementation of this interest rate would be based on economic reasons in business environment and the consideration of law aspects; for instance : P.T. Bank Lippo, Tbk.'s Credit Agreement would be based on Credit Tightening Guidance instead of Indonesian Banking Regulations. In fact, loans (not only banking to banking), has faced a large number of constraints on the point of view of lenders and borrowers. If only there is no solution, the case could be proposed to court as the resort of justice- seeker society. This thesis is evaluating policy and interest rate decision by P.T. Bank Lippo, Tbk., in term of any available regulations and court decisions