"您有XX积分未使用，到期将失效，请立即登录积分商城兑换商品……"近来，很多人都曾收到类似短信。或是来自"运营 商"，或是来自"购物平台"，实际上，这些看起来颇有诱惑力的福利政策，很可能是精心编织的陷阱！ 这是公安部网安局微日前发布的提醒，类似的诈骗案例亦不少：杨先生就被酷似"10086"的"l0086"短信误导，填写信用卡信 息、下载木马控件后被骗走7739元；也有人没网购却收到"快递异常"通知，一通"客服"电话、一个陌生APP操作，数万元 便不翼而飞。 警方公布的诈骗短信截图。 面对这些骗局，不少声音提醒公众"提高警惕、克制贪欲"。诚然，"心底无欲天地宽" 是抵御诱惑的第一道防线，不明链接 不点、陌生软件不下、验证码不透露的"三不准"原则，也该成为每个人的自觉。但当诈骗短信能精准锁定"有积分""有购物 习惯"的人群，当"l0086"这类仿冒号码能轻松绕过识别机制，显然不能只将责任归咎于公众"不够小心"。那些带着"精准打 击"属性的诈骗信息，究竟是如何冲破层层监管、抵达用户手机的？背后潜藏的个人信息泄露黑幕，更亟待彻查。 诈骗短信的"精准投放"，本质是运营商、平台和监管链条的 "层层失守"。 此前央视曝光的 ...

Core Viewpoint - The article highlights the alarming practices of high-interest lending apps like "Yun Dou Hua," which have rebranded from "Yun Dou Fen" to evade regulatory scrutiny while continuing to exploit consumers with exorbitant interest rates and aggressive collection tactics [1][3][5]. Group 1: User Experiences - Users like Li Fei and Zhang Bin have reported being trapped in a cycle of debt due to high annualized interest rates, with Li Fei facing a staggering 1460% rate and Zhang Bin experiencing an 876% rate [1][4]. - Complaints on platforms like Black Cat Complaints indicate a pattern of short-term loans with high interest, where users face harassment from collection agents after missed payments [4][6]. Group 2: Company Operations - "Yun Dou Hua" is linked to Shanghai Zui Meng Zhe Internet Technology Co., which has no financial business licenses and has been involved in multiple rebrandings to avoid regulatory action [5][10]. - The app operates under a "borrowed shell" model, where it is part of a larger network associated with "Kua Niu" capital, which has a history of high-interest lending practices [6][8]. Group 3: Regulatory Issues - The article points out significant regulatory gaps, particularly in how banks manage their lending partnerships, allowing funds to flow into unregulated platforms like "Yun Dou Hua" [9][10]. - Users are required to sign blank contracts, which enables the platform to impose hidden fees and complicates the process of seeking recourse in disputes [10].

Core Viewpoint - The FDA has announced a new regulation that requires all imported products to undergo review, regardless of their value or size, following the cancellation of the small package exemption policy [2][3][4]. Group 1: Regulatory Changes - The previous exemption for products valued under $800 has been eliminated, meaning all products will now be subject to full review [3]. - This policy took effect on July 9 and aims to enhance the FDA's oversight of the U.S. supply chain and improve the identification of repeat violators [4]. - The new regulation applies to all product categories regulated by the FDA, including drugs, food, beverages, dietary supplements, cosmetics, medical devices, and biological samples [6]. Group 2: Impact on Imports - The FDA can now review all imported products declared through electronic systems, including those purchased online and transported across borders [5]. - Even small packages must adhere to the same regulatory standards as larger shipments, which may affect the circulation of weight-loss drugs in the "gray market" [8]. - A study indicated that in January, shipments of active ingredients from unregistered Chinese suppliers increased by 44% compared to the previous month [8]. Group 3: Implications of the Policy - The data does not account for packages that previously entered the U.S. under the exemption policy, suggesting that the actual import volume may be significantly higher than current statistics indicate [9]. - This policy adjustment is part of the FDA's efforts to close regulatory loopholes and strengthen comprehensive import reviews [10].