Regulations Governing Internal Operating Systems and Procedures for the Outsourcing of Financial Institution Operation Article 14
A financial institution shall conduct regular and unscheduled audit and supervision of the debt collection operation of its service provide to ensure compliance with the following provisions:1. A service provider shall not use violence, intimidation, coercion, verbal abuse, harassment, sham, or false, deceptive or misleading representation against the debtor or any third party, or engage in other illicit debt collection practices that invade the privacy of the debtor.2. A service provider shall not use harassing means that disrupts the regular living conditions, schooling, work, business or the life of others in the debt collection process.3. The legal hours for debt collection are from 7:00 AM to 10:00 PM. However, this restriction does not apply if the debtor agrees.4. A service provider shall not harass with or collect debts from third parties in any means.5. When a service provider communicating with a third party for the purpose of acquiring contact information about the debtor, it shall identify himself and state that his purpose is to obtain contact information of the debtor. If requested by a third party, the service provider shall identify the outsourcing financial institution, and the name of his employer. A debtor collection shall also present a letter of authorization when making field visit.6. The service provider or its employees shall not collect payment or any fees from the debtor or any third party unless the service provider is collecting withheld salary under a court order for an action in which the service provider is a litigation agent on behalf of the financial institution and has the consent of the financial institution to collect the withheld salary of debtor.7. The service provider personnel shall wear ID badge in field visits and record the entire conservation with the debtor or related parties. Unless with the consent of the debtor, the service provider personnel shall not enter the residence of the debtor by any means.Any of the following practices is deemed a false, deceptive or misleading representation mentioned in subparagraph 1 of the preceding paragraph:1. False statement or implication that nonpayment of debt will result in the arrest, detainment or other criminal disposition against the debtor.2. Informing the debtor that his property will be attached while such property is not subject to attachment according to law.3. Collecting fees from the debtor other than the amount of debt owed or collecting fees not claimable under the law4. False representation that nonpayment of debt will result in a court action of arrest, custody, attachment or auction.Any of the following practices is deemed as using harassing means that disrupts the regular living conditions, work, business or the life of others mentioned in subparagraph 2 of paragraph 1:1. Repeatedly or during non-collection hours using telephone, fax, short message, e-mail or other communication means, or visiting the debtor's residence, school, work, or business location or other places to collect debt.2. Using post cards for collection or using any language, symbols or other means on the envelope of collection letter that suffices to reveal the debt situation or other private information of the debtor to third parties. The company name is not subject to this restriction.3. Using bulletin, signboards or other similar methods that reveals the debt situation or other private information of the debtor to third parties.
中文原文 金融機構作業委託他人處理內部作業制度及程序辦法第14條
金融機構應定期及不定期對受委託辦理應收債權催收作業之機構進行查核及監督，確保無違反下列各款規定：
一、不得有暴力、恐嚇、脅迫、辱罵、騷擾、虛偽、詐欺或誤導債務人或第三人或造成債務人隱私受侵害之其他不當之債務催收行為。
二、不得以影響他人正常居住、就學、工作、營業或生活之騷擾方法催收債務。
三、催收時間為上午七時至晚上十時止。
但經債務人同意者，不在此限。
四、不得以任何方式透過對第三人之干擾或催討為之。
五、為取得債務人之聯繫資訊，而與第三人聯繫時，應表明身分及其目的係為取得債務人之聯繫資訊。
如經第三人請求，應表明係接受特定金融機構之委託，受委託機構之名稱，外訪時並應出具授權書。
六、受委託機構及員工不得向債務人或第三人收取債款或任何費用。
但如係法院執行扣薪需要，受委託機構為金融機構訴訟代理人並經該金融機構同意代收該扣薪款時，不在此限。
七、受委託機構之外訪人員需配帶員工識別證，並應將外訪過程中與客戶或其相關人之談話內容全程錄音。
未經債務人同意，不可擅自以任何形式進入其居住處所。
有下列情形之一者，視為前項第一款虛偽、詐欺或誤導之方法：
一、虛偽陳述或暗示債務人不清償債務將受逮捕、羈押等刑事處分。
二、告知債務人將查封依法不得查封之財產。
三、向債務人催收債權金額以外或法律禁止請求之費用。
四、虛偽陳述債務人不清償債務，法院將實施拘提、管收、查封或拍賣等執行行為。
有下列情形之一者，視為第一項第二款影響他人正常居住、就學、工作、營業或生活之騷擾方法：
一、持續或於非催收時間內，以電話、傳真、簡訊、電子郵件等通訊方法或訪問債務人居住所、學校、工作、營業地點或其他場所，向債務人催收。
二、以明信片進行催收，或於信封上使用任何文字、符號及其他方式，足使第三人知悉債務人負有債務或其他有關債務人私生活之資訊。
但公司名稱，不在此限。
三、以佈告、招牌或其他類似方法，致第三人知悉債務人負有債務或其他有關債務人私生活之資訊。
一、不得有暴力、恐嚇、脅迫、辱罵、騷擾、虛偽、詐欺或誤導債務人或第三人或造成債務人隱私受侵害之其他不當之債務催收行為。
二、不得以影響他人正常居住、就學、工作、營業或生活之騷擾方法催收債務。
三、催收時間為上午七時至晚上十時止。
但經債務人同意者，不在此限。
四、不得以任何方式透過對第三人之干擾或催討為之。
五、為取得債務人之聯繫資訊，而與第三人聯繫時，應表明身分及其目的係為取得債務人之聯繫資訊。
如經第三人請求，應表明係接受特定金融機構之委託，受委託機構之名稱，外訪時並應出具授權書。
六、受委託機構及員工不得向債務人或第三人收取債款或任何費用。
但如係法院執行扣薪需要，受委託機構為金融機構訴訟代理人並經該金融機構同意代收該扣薪款時，不在此限。
七、受委託機構之外訪人員需配帶員工識別證，並應將外訪過程中與客戶或其相關人之談話內容全程錄音。
未經債務人同意，不可擅自以任何形式進入其居住處所。
有下列情形之一者，視為前項第一款虛偽、詐欺或誤導之方法：
一、虛偽陳述或暗示債務人不清償債務將受逮捕、羈押等刑事處分。
二、告知債務人將查封依法不得查封之財產。
三、向債務人催收債權金額以外或法律禁止請求之費用。
四、虛偽陳述債務人不清償債務，法院將實施拘提、管收、查封或拍賣等執行行為。
有下列情形之一者，視為第一項第二款影響他人正常居住、就學、工作、營業或生活之騷擾方法：
一、持續或於非催收時間內，以電話、傳真、簡訊、電子郵件等通訊方法或訪問債務人居住所、學校、工作、營業地點或其他場所，向債務人催收。
二、以明信片進行催收，或於信封上使用任何文字、符號及其他方式，足使第三人知悉債務人負有債務或其他有關債務人私生活之資訊。
但公司名稱，不在此限。
三、以佈告、招牌或其他類似方法，致第三人知悉債務人負有債務或其他有關債務人私生活之資訊。