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 on personal consumer loan collection practices in China, focusing on the prohibition of aggressive collection tactics, particularly during late-night hours, to protect consumer rights and ensure fair practices in the financial industry [4][6]. Summary by Sections New Regulations Overview - The China Banking Association has released guidelines aimed at regulating the collection practices of financial institutions and third-party agencies, specifically addressing issues like late-night calls and excessive contact frequency [4][6]. Key Provisions of the Guidelines - The guidelines prohibit collection calls from 10 PM to 8 AM and limit the number of calls to a debtor to no more than six times per day on the same contact number [7][8]. - The guidelines emphasize the need for industry self-regulation and the protection of both creditors' and debtors' rights [10][14]. Consumer Complaints and Industry Response - There has been a significant increase in complaints related to aggressive collection practices, with nearly 25,000 complaints found on third-party platforms regarding harassment and threats from collectors [6][10]. - The guidelines aim to address these issues by establishing clear rules for acceptable collection practices and protecting consumer privacy [9][11]. Prohibited Collection Practices - The guidelines outline eight specific prohibited practices, including impersonating government officials, using threats or intimidation, and unauthorized sharing of personal information [12][13]. - Financial institutions are also prohibited from outsourcing collection tasks to third parties without proper oversight [14]. Information Protection Measures - The guidelines stress the importance of protecting personal information and outline acceptable sources for obtaining debtor contact information [11][12]. - Collection agencies must adhere to strict confidentiality and cannot disclose debtor information to unrelated third parties [10][11].