China's New September Rules: AI Customer Service Accountability and Loan Marketing Restrictions

Starting September 2026, China is rolling out a batch of new rules covering housing funds, RMB trading, exit management, and AI customer service. Housing fund withdrawals are now easier, with no rent-to-income ratio limit, and new options for renovation and property fees. Loan reviews are shortened to 10 days. Trading of circulating RMB is banned, except for commemorative coins. For AI customer service, a new national standard makes companies responsible for AI responses, not just blaming algorithms. Financial ads can't use phrases like 'low interest' or 'instant approval' anymore. Short dramas must be classified and AI-generated content labeled. Shanghai expands medical insurance personal account use, Beijing trims takeout packaging, and Shanxi sets technical standards for good housing.