About Us 關於我們
The Consumer Credit Oversight Board Task Force (CCOB Task Force) was set up in July 2021 and is led by the Ministry of Finance (MOF), Bank Negara Malaysia (BNM) and the Securities Commission Malaysia (SC) to drive the enactment of the CCA. This effort is undertaken in close collaboration with the Ministry of Domestic Trade and Consumer Affairs (KPDNHEP), the Ministry of Housing and Local Government (KPKT), the Ministry of Entrepreneur and Cooperatives Development (KUSKOP) and Malaysia Co-operative Societies Commission (SKM).
消費者信貸監督委員會工作小組(CCOB工作小組)於2021年7月成立,由財政部(MOF)、馬來西亞國家銀行(BNM)和馬來西亞證券委員會(SC)領導,旨在推動頒布CCA。這項工作是與國內貿易和消費者事務部(KPDNHEP)、住房和地方政府部(KPKT)、企業家和合作社發展部(KUSKOP)以及馬來西亞合作社委員會(SKM)密切合作進行的)。
What are the functions of CCOB?
CCOB有哪些功能?
The establishment of the CCOB is intended to regulate non-bank credit providers and credit service providers.
CCOB的成立旨在規範非銀行信貸提供者和信貸服務提供者。
Enactment of the CCA CCA的頒布
The enactment of the Consumer Credit law is to ensure fair treatment of borrowers. Currently, there are multiple laws governing consumer credit activities and there are fragmented regulatory and supervisory frameworks and varying level of protection accorded to consumers.
消費信貸法的製定是為了確保借款人得到公平對待。目前,監管消費信貸活動的法律有多種,監管框架分散,對消費者的保護程度也各不相同。
Phased Approach 分階段方法
The transformation of the consumer credit regulatory landscape will be completed in phases. This approach was taken to facilitate a smooth transition and minimise any unintended disruptions in the consumer credit industry while enabling the CCOB to enhance its capability and capacity to assume greater responsibilities over time. The phased approach is further explained below:
消費信貸監理格局的轉變將分階段完成。採取這種方法是為了促進平穩過渡並最大限度地減少消費信貸行業的任何意外中斷,同時使 CCOB 能夠增強其能力和能力,隨著時間的推移承擔更大的責任。分階段法進一步解釋如下: