BOT Governor Vitai Ratanakorn responded to criticism that the central bank is overreaching its mandate. He said the core mission of price and financial stability has not changed, but the BOT will now focus on structural issues: household debt, credit access for SMEs, fair fees and interest for small borrowers, and preventing financial channels from being used for illicit flows. The BOT will also increase supervision of non-bank lenders and payment providers, citing consumer exploitation and rising unusual transactions. No specific rules or dates were given in the post. For an SME owner, watch for tighter rules on non-bank loans and payment apps you use, and expect policy moves on SME credit and fees, but nothing requires action yet.