中华人民共和国反电信网络诈骗法

Core Points - The article outlines the establishment of a legal framework to prevent, combat, and punish telecom network fraud activities, emphasizing the protection of citizens' and organizations' legal rights, as well as maintaining social stability and national security [1][3][36] - The law defines telecom network fraud as actions aimed at illegally obtaining property through remote and non-contact means using telecom network technology [2][3] - The law applies to fraud activities conducted within the territory of the People's Republic of China and by Chinese citizens abroad, as well as to foreign entities targeting China [3][36] Group 1: General Principles - The anti-telecom network fraud work is centered on the people, integrating development and security, and emphasizes comprehensive governance and source management [4][36] - The law mandates that all relevant departments and individuals maintain confidentiality regarding state secrets, commercial secrets, and personal information encountered during anti-fraud efforts [2][37] - The State Council is responsible for establishing a coordinated mechanism for combating telecom network fraud, with local governments leading efforts in their respective areas [3][38] Group 2: Telecom Governance - Telecom operators are required to implement a real-name registration system for phone users and ensure compliance by their agents [9][42] - There are restrictions on the number of phone cards that can be issued, and operators must conduct checks on any suspicious applications [10][43] - Telecom operators must establish risk assessment systems for IoT card users and monitor their usage to prevent fraud [12][43] Group 3: Financial Governance - Financial institutions must establish due diligence systems to identify beneficial owners and implement risk management measures to prevent accounts from being used for telecom fraud [15][46] - There are limits on the number of accounts that can be opened, and institutions must conduct enhanced checks on any suspicious account openings [16][48] - A unified monitoring system for anti-money laundering will be established to address the flow of funds related to telecom fraud [15][49] Group 4: Internet Governance - Internet service providers must verify users' real identity information when providing services and take action against accounts identified as fraudulent [21][51] - Providers are required to monitor and take action against suspicious applications and accounts, including suspending services if necessary [22][52] - Any entity or individual is prohibited from providing support for telecom fraud activities, including selling personal information or assisting in money laundering [25][53] Group 5: Comprehensive Measures - The police are tasked with establishing a robust mechanism to combat telecom fraud, ensuring cooperation among various law enforcement agencies [27][55] - There is a focus on protecting personal information and preventing its misuse in telecom fraud, with specific measures for sensitive data [29][56] - Public awareness campaigns are mandated to educate citizens about telecom fraud and encourage reporting of suspicious activities [30][56]