This study analyzes the practice of vehicle repossession by Islamic finance companies in Indonesia through the lens of Sharia principles, DSN-MUI fatwas, and OJK regulations. Employing a qualitative-descriptive-thematic approach with normative juridical analysis of the Rizki Adam case, the study identifies a significant compliance gap between field practices and the normative framework established by DSN-MUI and OJK. Findings reveal that unilateral, forced repossession without prior notice, court decision, or debtor consent violates Article 1365 of the Civil Code, Constitutional Court Decision No. 18/PUU-XVII/2019, and fundamental Sharia principles of justice, transparency, and prohibition of injustice (zulm). The study contributes an integrated analytical model that bridges Islamic jurisprudence, consumer protection law, and financial regulatory compliance. Recommendations are directed at OJK, Sharia Supervisory Boards, and financing institutions to strengthen legal harmonization, operational oversight, and consumer rights protection.