Buy Now Pay Late Services现在面临严格的新规则, 包括负担能力检查、明确条件及消费者支持等。 UK Buy Now Pay Later services now face strict new rules for affordability checks, clear terms, and consumer support.

在联合王国,包括Klarna和Clearpay在内的 " 立即购买后付款 " (BNPL)服务现在须遵守金融行为管理局(FCA)立即生效的严格的新条例。 Buy Now Pay Later (BNPL) services in the UK, including Klarna and Clearpay, are now subject to strict new regulations from the Financial Conduct Authority (FCA), effective immediately. 从2026年开始,提供商必须进行负担能力检查,明确通报付款条件和后期后果,并向困难的借款人提供支持。 Starting in 2026, providers must conduct affordability checks, clearly communicate payment terms and late consequences, and offer support to struggling borrowers. 消费者现在可以增加向金融监察员服务机构提出的申诉。 Consumers can now escalate complaints to the Financial Ombudsman Service. 规则遵循了该部门的增长,从2017年的0.06亿英镑增长到2024年的13亿英镑,去年有1 090万英国成年人使用英国国民信贷银行。 The rules follow the sector’s growth from £0.06bn in 2017 to over £13bn by 2024, with 10.9 million UK adults using BNPL in the past year. 所有公司都必须获得FCA授权,临时许可窗口为5月15日至7月1日,然后是6个月的时间申请全面批准。 All firms must obtain FCA authorisation, with a temporary permissions window from May 15 to July 1, followed by a six-month period to apply for full approval. 《公平竞争法》旨在平衡创新与消费者保护。 The FCA aims to balance innovation with consumer protection.