title: China (mainland) — Consumer Protection & APP Fraud | World Payments Monitor canonical: https://payments.gi/jurisdictions/china-mainland/w10/ publisher: Asymmetric Intelligence ### W10 Consumer Protection & APP Fraud Confirmed confirmed 2026-07-04 Consumer/APP-fraud protection anchored in the Anti-Telecom and Online Fraud Law (effective 1 Dec 2022); NFRA consolidates financial-consumer-protection functions post-2023 reform, though gaps remain for non-bank mobile payment users. Absence reason not determinable No sub-brief exists and the JID records no gap or review marker explaining why. The renderer will not invent a reason. no periodic updates on record for this sub-brief ** Sources and findings (5)** 1. T1 [https://www.chinajusticeobserver.com/law/x/anti-telecom-and-online-fraud-law-of-china-20220902](https://www.chinajusticeobserver.com/law/x/anti-telecom-and-online-fraud-law-of-china-20220902) retrieved 2026-07-04 2. T1 [http://en.moj.gov.cn/2023-12/15/c_948363.htm](http://en.moj.gov.cn/2023-12/15/c_948363.htm) retrieved 2026-07-04 3. T1 [https://appinchina.co/government-documents/anti-telecom-and-online-fraud-law-of-the-peoples-republic-of-china/](https://appinchina.co/government-documents/anti-telecom-and-online-fraud-law-of-the-peoples-republic-of-china/) retrieved 2026-07-04 4. T3 [https://www.sciencedirect.com/science/article/abs/pii/S0267364924000748](https://www.sciencedirect.com/science/article/abs/pii/S0267364924000748) retrieved 2026-07-04 5. T3 [https://www.mordorintelligence.com/industry-reports/china-payments-market](https://www.mordorintelligence.com/industry-reports/china-payments-market) retrieved 2026-07-04