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Blog Entry Draft Circular on Digital Lending – Transparency in Aggregation of Loan Products from Multiple Lenders
by Garima Agrawal published Jul 03, 2024 — filed under: ,
CIS is grateful for the opportunity to submit comments on the “Draft Circular on Digital Lending: Transparency in Aggregation of Loan Products from Multiple Lenders” to the Reserve Bank of India. We welcome the opportunity provided to comment on the guidelines, and we hope that the final guidelines will consider the interests of all the stakeholders to ensure that it protects the privacy and digital rights of all consumers, including marginalised and vulnerable users, while encouraging innovation and improved service delivery in the fintech ecosystem. Our comments look at two concerns addressed by the draft guidelines, i.e. reducing information asymmetry and market fairness. In addition to this we share comments around a third concern that requires additional scrutiny, i.e. data privacy and security.
Located in Internet Governance / Blog