User-centric recommendation has become essential for delivering personalized services, as it enables systems to adapt to users' evolving behaviors while respecting their long-term preferences and privacy constraints. Although federated learning offers a promising alternative to centralized training, existing approaches largely overlook user behavior dynamics, leading to temporal forgetting and weakened collaborative personalization. In this work, we propose FCUCR, a federated continual recommendation framework designed to support long-term personalization in a privacy-preserving manner. To address temporal forgetting, we introduce a time-aware self-distillation strategy that implicitly retains historical preferences during local model updates. To tackle collaborative personalization under heterogeneous user data, we design an inter-user prototype transfer mechanism that enriches each client's representation using knowledge from similar users while preserving individual decision logic. Extensive experiments on four public benchmarks demonstrate the superior effectiveness of our approach, along with strong compatibility and practical applicability. Code is available at https://github.com/Poizoner/code4FCUCR_www2026.

Federated Recommendation (FR) has emerged as a promising paradigm for addressing the learn-to-rank problem in a privacy-preserving manner. However, effectively incorporating multimodal item features into FR remains an open challenge, due to efficiency constraints, distribution heterogeneity, and feature utilization alignment with the recommendation objective. To tackle these issues, we propose GFMFR, a novel multimodal fusion framework for federated recommendation. Specifically, multimodal representation learning is offloaded to the server, which stores item content and employs a high-capacity encoder to generate expressive representations, thereby alleviating the computational burden on clients. In addition, a group-aware multimodal aggregation mechanism learns shared representations for users with similar interests, enabling knowledge sharing while alleviating distribution heterogeneity. Finally, GFMFR adopts a preference-guided distillation strategy that leverages multimodal information in a way directly aligned with recommendation objectives. The proposed framework can be seamlessly integrated into existing federated recommender systems, enhancing their effectiveness by incorporating multimodal features. Extensive experiments on five benchmark datasets demonstrate that GFMFR consistently outperforms state-of-the-art multimodal FR baselines. The implementation code is available. https://github.com/Zhangwp2420/GFMFR.