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FTC proposes new rule to ban junk fees, potentially saving consumers 'tens of billions'_我的网站

A |     The Federal Trade Commission is proposing a new rule that seeks to eliminate junk fees -- those hidden costs that can unexpectedly push up prices consumers pay at checkout.The proposed rule would apply to many industries across the economy, including event tickets, hotels and apartment rentals. If the rule goes into effect, companies that continue to charge these fees could be fined and forced to pay back consumers.The FTC says the far-reaching rule could save consumers “tens of billions of dollars in fees.”“The proposed rule would prohibit corporations from running up the bills with hidden and bogus fees, requiring honest pricing and spurring firms to compete on honesty rather than deception,” FTC Chair Lina Khan said on a call with reporters.The FTC estimates the proposed rule will save consumers more than 50 million hours per year of wasted time spent searching for the total price in live ticketing and short-term lodging alone. This time savings is equivalent to more than $10 billion over the next decade.There will be a 60-day public comment period once the rule is published in the Federal Register.Senior administration officials, however, did not have guidance on when the rule could be finalized and go into effect.The FTC has the authority to move forward with this rule without additional approval from Congress, officials said.As President Biden continues his push of “Bidenomics” and focuses on the everyday costs that hit American pocketbooks, this is another chance for the president to try to appeal to voters about his economic message. He’s repeatedly highlighted his administration's efforts to tackle these junk fees across a number of sectors -- from air travel to health care.Separately, the Consumer Financial Protection Bureau is issuing guidance to large banks and credit unions, prohibiting them from charging customers fees for basic information about their accounts, like checking their bank account balance.The CFPB also released a new report showing its crackdown on bounced check fees has saved consumers nearly $2 billion since 2021.。    随着大众护肤观念不断更新，如今防晒产品已摆脱“夏日限定”标签，成为贯穿全年的日常刚需。同时，因消费场景的不断细分，消费者对防晒产品的期待也从单一的防护力，转向兼具便捷与卫生等功效。

B | 近日，记者走访北京多家零售卖场发现，次抛防晒霜、独立封装次抛防晒口罩等产品购销两旺，将即开即用、轻量化的体验延伸至防晒领域，为全季节、碎片化防晒提供了新选择。图为次抛防晒口罩。　　记者在多家卖场的美妆护肤专区看到，Mistine等品牌的次抛防晒霜被摆在显眼位置。电商平台上，蕉下、骆驼等户外品牌也纷纷跨界推出次抛防晒霜。

C | 不同于主流30克、50克等大容量瓶装防晒霜，这类产品单袋容量仅约1克，剂量恰好满足面部与颈部单次涂抹。　　“次抛防晒产品上架以来很受欢迎，目前门店库存已经基本售罄，正等待补货。”某美妆门店导购介绍，以往消费者选购防晒产品多比拼SPF（防晒系数）数值，如今越来越多顾客优先关注其使用的便捷性与卫生性。正在店内选购商品的焉女士对此深有体会：“瓶装防晒霜随身携带容易渗漏，补涂时很难把控用量，涂少了防护不足，涂多了又容易搓泥。这种次抛款一次一支，外出补涂非常方便。”　　业内人士指出，次抛模式的核心价值不仅在于定量使用，更在于“锁鲜”。由于次抛单支容量即为一次性用量，大大减少了配方成分与空气接触的机会，能更好地保持其活性，适合封装含有易失活成分的产品。　　记者在采访中还发现，次抛模式不仅限于防晒霜，在名创优品等快消品门店，独立封装的次抛防晒口罩也成为销售亮点。以某品牌8片装的次抛防晒口罩为例，包装上明确标注了“次抛免洗”“纳米微晶防晒科技”“UPF50+防护标准”等信息。“不少敏感肌顾客偏爱这款，长时间佩戴传统可水洗口罩或防晒面罩容易闷肤长痘，次抛款式干净清爽，通勤、骑行使用十分方便。”门店工作人员介绍。　　次抛模式兴起的背后，是防晒消费场景的全面延伸。

D | 艾媒咨询调研显示，如今防晒已从单一的户外场景渗透到通勤、办公、旅游等方方面面，成为全场景日常需求。业内人士分析，次抛包装本质上是对当下消费者卫生焦虑与轻装上阵等心理的精准回应，将防晒从长时间户外的“全副武装”转变为随时随地进行的“轻防护”。　　某美妆品牌负责人表示，除常见的次抛精华外，防晒、卸妆等产品也开始尝试次抛形式，且市场的竞争核心正从早期的包装形式和基础成分，向更深层次的技术壁垒、精准功效和场景洞察转移。　　产业发展趋势同样印证了这一变化。中国香料香精化妆品工业协会在近日发布的《2025年中国化妆品产业发展报告》中指出，化妆品竞争已由单一功效比拼转向原料、配方、包装、消费体验在内的多维较量，消费者选购标准持续升级，更加看重产品安全性、实用性与使用体验。消费需求、生活场景持续变化催生大量细分赛道，或许次抛防晒产品的兴起正是这一趋势的生动体现。

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Published on:21:44:26