Plain-language decodes of the RBI instruments that matter, applicability, obligations, what RBI penalised, lineage and source. Linked to the original, honest about scope, not legal advice.
The 2026 Direction requiring larger commercial banks to maintain an independent Internal Ombudsman and escalate every rejected complaint to it before the customer reaches the RBI Ombudsman.
Read the decodeThe 2026 Direction requiring every Credit Information Company to maintain an independent Internal Ombudsman and escalate every rejected complaint to it before the complainant reaches the RBI Ombudsman.
Read the decodeThe 2026 Direction requiring larger NBFCs to maintain an independent Internal Ombudsman and escalate every rejected complaint to it before the customer reaches the RBI Ombudsman.
Read the decodeThe 2026 Direction requiring larger non-bank Prepaid Payment Instrument issuers to maintain an independent Internal Ombudsman and escalate every rejected complaint to it before the customer reaches the RBI Ombudsman.
Read the decodeThe 2026 Direction requiring larger Payments Banks to maintain an independent Internal Ombudsman and escalate every rejected complaint to it before the customer reaches the RBI Ombudsman.
Read the decodeRBI's 15 June 2026 rules on how regulated entities may advertise, market and sell financial products (own and third-party): a DSA/DMA regime, hard-coded consent and disclosure, eleven banned dark patterns, and what counts as mis-selling. Effective 1 January 2027.
Read the decodeThe 2026 Direction requiring larger Small Finance Banks to maintain an independent Internal Ombudsman and escalate every rejected complaint to it before the customer reaches the RBI Ombudsman.
Read the decodeRBI's 15 June 2026 companion amendment redrawing the line between an agency arrangement (fee-based, no risk participation) and a referral arrangement (introduce only, never sell) with third-party product providers. Effective 1 January 2027.
Read the decode