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

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A | 分地区来看，北美和欧洲的收入分别为8.1亿美元和1.6亿美元，均不及市场预期，增速分别为3.1%和5.4%；其他地区收入同比增长22%至1.56亿美元，略高于市场预期。 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.。尽管调整后利润超出市场预期，但是SNAP的净亏损飙升400%至3.6亿美元，部分原因是1.55亿美元的重组费用。虽然用户数依然维持高速增长，但是每用户平均收入（ARPU）下降11%至3.11美元，低于分析师平均预测的3.19美元。此外，SNAP再次取消下个季度的业绩指引。

B | 该公司称：鉴于与经营环境相关的不确定性，我们没有提供我们对2022 第四季度的收入或调整后净利润的预期。但该公司称，它已经“预测四季度的收入同比增速将同比大致持平。”金融博客Zero Hedge认为，这意味着，SNAP的高速成长期可能已经结束了。财报发布后，公司盘后股价暴跌近26%。

C | 该公司股价从2021年9月底的高点以来已经累计下跌约90%，今年以来的跌幅则达到77%。
用户维持高速增长，付费用户超过150万三季度，SNAP全球日活跃用户数为3.63亿，高于市场预期的3.582亿，同比增速达到19%。这表明尽管业务方面存在困难，但该公司仍然能够吸引用户使用该服务。

D | 但是，每用户平均收入（ARPU）下降11%至3.11美元，低于分析师平均预测的3.19美元。公司表示其在6月推出的每月3.99美元的Snapchat+订阅服务在三季度已经有超过150万订阅用户，当前该服务已经覆盖全球170多个国家和地区。SNAP首席执行官Evan Spiegel称：本季度，我们采取行动，进一步将业务重点放在三个战略重点上：发展我们的社区并加深用户对产品的参与，重新加速和多元化我们的收入增长，以及投资增强现实。他说，用户增长“为我们在动荡的宏观经济环境中提供了长期机会”。受美国宏观经济及苹果隐私政策的影响，SNAP广告业务能力下降苹果2021年对iOS系统的隐私更新仍然是SNAP跟踪用户能力的障碍，从而其互联网广告业务遭到削弱。Meta的Facebook等社交媒体也受到苹果该政策的冲击。下周Meta和Alphabet将公布最新的季度报告。此外，美国经济放缓和衰退的可能性加剧也导致许多广告商暂停或减少广告支出。在新闻稿中，SNAP称：我们发现，我们在许多行业的广告合作伙伴正在减少他们的营销预算，特别是在面临运营环境变差、通胀驱动的成本压力和资本成本上升的情况下。受SNAP不及市场预期的财报的拖累，同样依靠互联网广告收入的Meta在美股盘后一度跌约5%，Google母公司Alphabet盘后转跌，跌幅超2%。

SNAP继续缩减项目以期节省开支作为降低成本计划的一部分，SNAP称，将关闭几个昂贵的项目，包括计划以230美元单价出售的Pixy无人机。