对银行卡信息披露进行法律规制,不仅是保护持卡人合法权益的需要,也是银行卡产业健康发展的需要。美国、澳大利亚等国的法律为我们提供了很好的经验。我国应当借鉴国外的经验,对银行卡信息披露作出强制规定,不仅要明确规定银行卡信息披露的时间、内容和方式,而且更要明确界定违反信息披露义务应承担的法律责任。 The legal regulation of bank card information disclosure not only serves to protect the legitimate rights and interests of cardholders, but also serves the healthy development of the bank card industry. The laws of the United States, Australia and other countries provide us with good experience. China should learn from the experience of other countries and make mandatory provisions on bankcard information disclosure. It not only stipulates the time, content and mode of bankcard information disclosure, but also clearly defines the legal responsibility that should be borne in violation of information disclosure obligations.