Group 1 - The China Banking Association released guidelines for the collection of personal consumer loans, prohibiting collection activities without debtor consent between 10 PM and 8 AM [1] - Debt collectors are limited to a maximum of six attempts to contact the debtor on the same phone number per day if the call is not answered [2] - Contacting unrelated third parties for debt collection is generally prohibited, except in specific cases where the debtor is unreachable, and even then, no specific debt information can be disclosed [2]