Guidance on consumer loan pricing is under discussion; regulatory guidance urges some platforms to conduct interest rate reduction stress tests

【Caixin Net】 After the “3·15” regulator held talks with five lending platforms, the rectification of the consumer lending and lending-assistance industry is still ongoing.

On the eve of the 2026 “3·15” International Day of Consumers’ Rights and Interests, the National Financial Regulatory Administration announced that: Recently, regarding issues in online lending-assistance businesses, the National Financial Regulatory Administration held talks with the operating entities of five platforms—JD (Jiekuan/Financing) Le, Qifu Borrowing, Niwoi DAI Borrowing, Yixianghua, and Credit Fly—and required that when platform operating entities cooperate with financial institutions to carry out lending business, they should effectively standardize marketing and promotional conduct, clearly and explicitly disclose the interest and fee information for lending products, strictly comply with personal information protection requirements, carry out collections in accordance with the law and regulations, improve customer complaint-resolution mechanisms, and effectively protect the lawful rights and interests of financial consumers.