自2026年7月15日起,联合王国的BNPL服务将受到监管,要求进行可负担性检查和消费者保护,如退款和争端解决。 Starting July 15, 2026, UK BNPL services will be regulated, requiring affordability checks and consumer protections like refunds and dispute resolution.

从2026年7月15日起, 英国现在买入, 日后付费(BNPL)服务将面临更严格的监管, Starting July 15, 2026, UK buy now, pay later (BNPL) services will face stricter regulations, bringing them under the oversight of the Financial Conduct Authority. 供应商必须进行可负担性检查,提供更明确的条件,并允许消费者在货物有问题、未交付或零售商失灵时直接要求退款。 Providers must conduct affordability checks, offer clearer terms, and allow consumers to claim refunds directly if goods are faulty, not delivered, or the retailer fails. BNPL用户将获得第75节的保护,并可就纠纷诉诸财务监察员。 BNPL users will gain Section 75 protection and access to the Financial Ombudsman for disputes. 修改的目的是通过将法国国民信贷银行更像传统信贷一样对待,降低超支和信用损失等风险。 The changes aim to reduce risks like overspending and credit damage by treating BNPL more like traditional credit.