Abstract: To develop thermo-regulated fabrics, the fabrics were finished by MPCMs. The structure and properties of the fabric before and after finish were characterized by means of SEM, FTIR, DSC and tensile tester. The results indicated the MPCMs could be fiished to the fabrics uniformly, and the hydrogen bonding between the cotton fibers were increased. The crystallinity of the finished fabrics were higher than that of the unfinished. The finished fabrics had excellent thermoregulation, which could absorb amounts of heats, and the decomposition temperature and enthalpy of the finished fabrics were higher than those of the unfinished. The breaking strength of the finished fabrics was increased, however, the air permeability of the finished fabrics decreased.