国际上,金融消费者保护监管政策日趋严格,金融消费者权利呈扩展之势,美国出台跨境汇款新规就是一个明显的例证为进一步明确和加强境内个人跨境汇款过程中的信息披露,更好地保护银行业消费者权益,美国金融消费者保护署近期完成了对该国跨境汇款规则的最终修订,更好地贯彻落实了该国《电子资金转账法》,进一步完善了对2012年2月颁布的汇款规则的官方解释,从而构建起了一套较为全面的跨境汇款消费者权益保护机制。美国跨境汇款新规赋予了消费者要求取消、退回和错误解决的权利。规定了汇款人可以在取 Internationally, the regulatory policies on the protection of financial consumers have become more stringent and the rights of financial consumers are expanding. The introduction of new regulations on cross-border remittance in the United States is an obvious example. In order to further clarify and enhance the disclosure of information in cross-border remittances of individuals in China, The U.S. Consumer Protection Agency recently completed the final revision of the cross-border remittance rules in the country and better implemented the “Electronic Funds Transfer Law” in the country to further improve the protection of banking consumers. February issued the official interpretation of the remittance rules, thus building a more comprehensive cross-border remittance protection of consumer rights mechanism. The new U.S. cross-border remittance rules give consumers the right to cancel, return and correct mistakes. The provisions of the remitter can take