8月1日起，个贷息费将强制公开，禁止收取任何未明示费用（全文）

Core Viewpoint - The article discusses the implementation of the "Personal Loan Business Explicit Comprehensive Financing Cost Regulations" by the National Financial Supervision Administration and the People's Bank of China, which mandates transparency in personal loan costs and prohibits undisclosed fees [2][3]. Summary by Sections Regulations Overview - The regulations define comprehensive financing costs as all interest and fees borne by borrowers, including normal performance costs and potential costs in case of default [4]. - Lenders are required to present a comprehensive financing cost disclosure form to borrowers, detailing all fees and their respective collection methods and standards [4]. Disclosure Requirements - Lenders must clearly disclose the upper limit of comprehensive financing costs in physical locations and online platforms, ensuring borrowers confirm their understanding before signing contracts [5]. - In online scenarios, the financing cost disclosure must be prominently displayed during the payment process, including all relevant cost details [5]. Changes and Responsibilities - Lenders must inform borrowers of any changes in financing costs due to interest rate adjustments or promotional activities [5]. - Lenders are responsible for ensuring that their partner institutions comply with these disclosure requirements and must take corrective actions against any violations [5]. Industry Cooperation and Borrower Awareness - Industry associations are encouraged to assist financial management departments in enforcing these regulations to create a fair and transparent market environment [6]. - Borrowers are advised to assess their financial capabilities and understand the comprehensive financing costs before taking loans [6][7]. Regulatory Oversight - Financial regulatory bodies are tasked with monitoring compliance with these regulations and holding lenders accountable for any failures in disclosure or management of partner institutions [7]. - The regulations apply to various financial institutions, including banks, credit cooperatives, and consumer finance companies, as well as third-party organizations involved in loan marketing and guarantees [7][8]. Implementation Timeline - These regulations will take effect on August 1, 2026 [8].