22点至8点严禁催收、电话最多6次/天，消费贷催收新规划重点

Core Viewpoint - The article discusses new regulations introduced by the China Banking Association aimed at addressing issues in the post-loan collection process for personal consumer loans, particularly focusing on the prohibition of harassment during debt collection [3][4]. Group 1: Regulatory Overview - The new guidelines, titled "Guidelines for Financial Institutions' Personal Consumer Loan Collection Work (Trial)," set specific rules for collection practices, including a ban on collection calls from 10 PM to 8 AM and limiting the number of calls to a debtor to no more than six times per day [3][5]. - The guidelines consist of seven chapters and fifty-four articles, focusing on self-regulation within the industry, defining collection behaviors, and establishing norms for external collection agencies [4][5]. Group 2: Collection Behavior Standards - The guidelines emphasize that collection activities must be conducted within reasonable limits, with specific restrictions on the frequency and timing of calls, reiterating previous standards set in 2021 and 2025 [5][6]. - The document outlines that collection actions should be respectful and confidential, adhering to national regulations on personal information protection [7][8]. Group 3: Prohibited Practices - Eight major prohibited practices are outlined, including impersonating government officials, using threats or intimidation, and unauthorized entry into private spaces for collection purposes [9][10]. - The guidelines also prohibit external collection agencies from subcontracting collection tasks without the consent of the lending institution [10].