从2026年7月15日起,英国现收现付的后期服务将受到诸如支付能力检查和获得债务咨询等保障措施的管制。 Starting July 15, 2026, UK buy-now-pay-later services will be regulated with safeguards like affordability checks and debt advice access.

从2026年7月15日起,英国金融行为管理局将规范现在的购买,支付后期服务,要求公司获得授权,进行可负担性检查,提供明确的支付信息,并向财政困难的客户提供支持,包括免费提供债务咨询。 Starting July 15, 2026, the UK’s Financial Conduct Authority will regulate buy now, pay later services, requiring firms to be authorized, conduct affordability checks, provide clear payment information, and offer support to customers in financial difficulty, including referrals to free debt advice. 消费者在出现纠纷时可以诉诸金融监察员服务。 Consumers will gain access to the Financial Ombudsman Service for disputes. 这一行动的目的是保护用户,因为2024年BNPL的使用量达到1 090万成年人,市场超过130亿英镑。 The move aims to protect users as BNPL usage reached 10.9 million adults and the market surpassed £13 billion in 2024. 临时登记期从5月15日至2026年7月1日。 A temporary registration period runs from May 15 to July 1, 2026. 工业和消费者团体欢迎这些规则,认为它们是必要的保障。 Industry and consumer groups have welcomed the rules as necessary safeguards.