Group 1 - The new regulations for online lending services, known as "助贷新规," will be fully implemented in less than 50 days, requiring commercial banks to clearly define service fees and include them in the borrower's comprehensive financing costs [1][28][29] - The regulations effectively cap the annualized interest rate for lending services at 24%, signaling the end of the traditional "双融担" model [2][28] - Some institutions are adapting to the new regulations by shifting to models like "24% + equity" or "24% + notarization," while others, such as the well-known lending platform CreditFly, continue to charge an annualized interest rate cap of 36% [3][28] Group 2 - CreditFly has faced numerous user complaints regarding its high interest rates, with reported comprehensive borrowing costs reaching 35.99%, where the interest rate itself only accounts for 5.5% [4][8][13] - Users have reported that CreditFly's service agreements lack transparency, with significant fees hidden in the fine print, leading to confusion about the actual costs associated with borrowing [12][15][18] - The platform's membership services include automatic renewal clauses, which have led to complaints about unexpected charges and lack of user control over subscription renewals [25][27] Group 3 - CreditFly has been listed among the cooperative institutions of two financial entities, indicating its ongoing operations despite the impending regulatory changes [30][31] - The company claims to prioritize consumer rights protection, with a dedicated committee and high customer service satisfaction rates, yet there are concerns about its compliance with the new regulations [31][32]