关于加强金融消费者权益保护，今日起施行！

Group 1: Banking Regulations - The "Administrative Measures for Custody Business of Commercial Banks" will take effect on February 1, 2026, aiming to promote the standardized development of custody business and enhance risk management in commercial banks [2] - The measures consist of five chapters and 49 articles, outlining the basic principles and requirements for commercial banks to conduct custody business, including the establishment of governance structures and management systems [2] Group 2: Consumer Protection - The "Measures for the Appropriateness Management of Financial Institution Products" will also be effective from February 1, 2026, focusing on enhancing consumer protection in financial products [3] - The measures require financial institutions to classify investment products by risk levels and manage them dynamically, with special protections for ordinary investors [3] Group 3: Cash Payment Regulations - The "Regulations on Cash Payment and Services" will be implemented on February 1, 2026, to uphold the legal status of the Renminbi and prevent refusal of cash payments [4] - The regulations mandate that businesses must respect consumers' rights to choose legal payment methods and cannot refuse cash payments without legal justification [4] Group 4: E-commerce Regulations - The "Supervision and Management Measures for Network Trading Platform Rules" will come into effect on February 1, 2026, aimed at regulating the formulation and execution of platform rules to maintain order in online transactions [5] - The measures prohibit unreasonable restrictions on operators' activities and ensure consumer rights are protected against unfair practices [5] Group 5: Live E-commerce Management - The "Supervision and Management Measures for Live E-commerce" will be effective from February 1, 2026, focusing on the responsibilities of various stakeholders in the live e-commerce ecosystem [6] - The measures prohibit false advertising and the sale of illegal goods, and require compliance with legal standards for AI-generated content used in live commerce [6]