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These principles shall apply on a mandatory basis for local banks, finance companies, and real estate refinancing companies.
b.
Subject to the mandatory provisions stipulated in relevant laws and regulations, these principles shall apply as guiding rules to credit information companies, payments and financial technology companies, money exchange companies and institutions1, consumer microfinance companies, finance support companies, financial lease contract registration companies, and debt-based crowdfunding companies. The Central Bank may, at any time, enforce all or some of the provisions of these principles on a mandatory basis.
