Providing grievance redress for financial disputes through Online Dispute Resolution
This post explores the promise of the Online Dispute Resolution (ODR) systems in improving the quality of redress available to consumers
Looking Ahead: Implications of the changes to Payments Banks and Prepaid Payment Instrument Frameworks
In this post, we analyse the RBI’s proposed policy changes to payments and settlements sector and how they might impact the PBs and PPIs
Assessing Transparency of Indian Banking System’s Public Risk Disclosure Regime – A Regulation Based Approach
In this paper, we assess the public disclosure regime of the Indian banking sector & provide our recommendations that RBI can consider implementing to enhance the transparency of disclosures
A Potential Regulatory Approach to Creditworthiness Assessments in Microfinance
In this post, we revisit the issue of over-indebtedness in microfinance and provide a set of suggestions to address them
Our Response to RBI’s Discussion paper on Revised Regulatory Framework for NBFCs – A Scale-Based Approach, 2021
In this blog post, we share our responses submitted to the RBI to the questions posed in the discussion paper
Regulatory and Supervisory Approaches for NBFCs
In this position paper, we articulate how NBFCs can be regulated and supervised to enhance efficiency for the overall financial system
A Framework for Detecting Over-indebtedness and Monitoring Indian Credit Markets
In this policy brief, we propose a Framework through which the RBI may simultaneously monitor Indian credit markets and detect the prevalence of over-indebtedness
Consumer Grievance Redress in Financial Disputes in India
This post provides an overview of the financial consumer grievance redress system in India and highlights the issues that make it less effective and less consumer-friendly
Assam Crisis Brings to Fore Protracted Regulatory Issues in Tackling Borrower Debt Stress
Reports of growing debt stress among microfinance borrowers in Assam follows a similar path as those in AP. In this post we analysis this issue and provide possible solutions
Detecting Over-Indebtedness while Monitoring Credit Markets in India: An Approach
In this report we propose Monitoring and Detection Framework for OID with twin outcomes in mind, that of financial stability and financial consumer protection