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Blog Entry RBI Consultation Paper on P2P Lending: Summary
by Pavishka Mittal published May 18, 2016 last modified May 18, 2016 12:12 PM — filed under: , , , , ,
The Reserve Bank of India published a Consultation Paper on Peer-to-Peer Lending on April 28, 2016. The Paper proposes to bring the P2P lending platforms under the purview of RBI’s regulation by defining P2P platforms as NBFCs under section 45I(f)(iii) of the RBI Act. Once notified as NBFCs, RBI can issue regulations under sections 45JA and 45L. The last date for submission of comments to the Consultation Paper is May 31, 2016. In this post, Pavishka Mittal presents a summary of the Paper.
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Blog Entry RBI Consultation Paper on P2P Lending: Legality and Implications
by Pavishka Mittal published May 23, 2016 last modified May 31, 2016 01:25 PM — filed under: , , , , ,
The Reserve Bank of India published a Consultation Paper on Peer-to-Peer Lending on April 28, 2016. The Paper proposes to bring the P2P lending platforms under the purview of RBI’s regulation by defining P2P platforms as NBFCs under section 45I(f)(iii) of the RBI Act. Once notified as NBFCs, RBI can issue regulations under sections 45JA and 45L. The last date for submission of comments to the Consultation Paper is May 31, 2016. In this post, Pavishka Mittal discusses the legality and implications of the proposed classification of Peer-to-Peer lending companies as NBFCs.
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Blog Entry RBI Consultation Paper on P2P Lending: Data Security and Privacy Concerns
by Vipul Kharbanda published May 31, 2016 last modified Jun 01, 2016 11:41 AM — filed under: , , , , , ,
On April 28, 2016 the Reserve Bank of India published a consultation paper on P2P Lending and invited comments from the public on the same. The Paper discusses what P2P lending is, the various regulatory practices that govern P2P lending in different jurisdictions and lists our arguments for and against regulating P2P lending platforms.
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Blog Entry Comments on the RBI's Consultation Paper on Peer to Peer Lending
by Sumandro Chattapadhyay published Jun 01, 2016 last modified Jun 01, 2016 08:21 PM — filed under: , , , , , ,
The Reserve Bank of India published a Consultation Paper on Peer to Peer Lending on April 28, 2016, and invited comments from the public. CIS submitted the following response, authored by Elonnai Hickok, Pavishka Mittal, Sumandro Chattapadhyay, Vidushi Marda, and Vipul Kharbanda.
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Blog Entry RBI and Regulation of Digital Financial Services in India, 2012-2016
by Shivalik Chandan published Jul 11, 2016 last modified Jul 11, 2016 06:27 AM — filed under: , , , , , , ,
The Reserve Bank of India (RBI) published its first guideline on mobile banking in 2008, and the conversation on integrating Aadhaar numbers with bank account numbers on one hand and mobile numbers on the other started as soon as UIDAI was established. However, it is the post-2010 period, with rapid growth of the e-commerce sector in India, that saw rise of digital financial services and intermediaries, and hence the demand for regulatory intervention in the sector. This essay by Shivalik Chandan tracks RBI policies and guidelines responding to and shaping the regulatory framework of the digital financial sector in India, including both mobile banking and online transactions.
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