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Giấy phép số 4978/GP-TTĐT do Sở Thông tin và Truyền thông Hà Nội cấp ngày 14 tháng 10 năm 2019 / Giấy phép SĐ, BS GP ICP số 2107/GP-TTĐT do Sở TTTT Hà Nội cấp ngày 13/7/2022.
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Debt-collection staff are prohibited from spraying paint, defaming borrowers, or making calls at inappropriate hours, under a new code of conduct issued by the Vietnam Banks Association (VNBA), aimed at ending abusive debt recovery practices. The Vietnam Banks Association (VNBA) has issued the code of conduct to specify Resolution 181, with the aim of standardizing practices in debt collection and handling of bad debts. The decision takes effect from March 31. Under the code, debt collectors must not perform or hire third parties to use force, threats, harassment, insults, deception, or coercion to collect debts from customers or related parties. Prohibited acts include threats, restraint, assault, property damage; calling or texting at inappropriate frequencies or times; hanging banners, disposing of animal carcasses, spraying paint, drawing, writing, or posting offensive imagery. Debt collectors must not create disorder at a customer’s home or workplace or use social media to defame customers. Additionally, the code prohibits employees from yelling, insulting, and from providing false information, forging government documents, or misrepresenting the legal consequences of non-payment. Acts such as urging high‑interest loans, forging loan documents, or engaging in illegal acts to obtain repayment are also strictly prohibited. Regarding customer information, the association also requires not publicly disclosing customer information or sharing data with third parties, or using customer data for personal purposes. Earlier, to establish this code, Mr. Nguyễn Quốc Hùng, Vice Chairman and General Secretary of the Vietnamese Banks Association, chaired many meetings and received nearly 200 comments from more than 30 credit institutions, together with recommendations from the International Finance Corporation (IFC) and agencies such as the State Bank of Vietnam, the Ministry of Public Security, and the Ministry of Justice. Member organizations must implement the code across the entire system, including when outsourcing to third parties, and address violations internally. Quynh Trang

Premium gym chains are entering a “golden era” that is ending or already in decline, as rising operating costs collide with shifting consumer preferences toward more flexible, community-based ways to exercise. Long-term memberships are shrinking, margins are pressured by higher rents and facility expenses, and competition from smaller, more personalized…