These are responses we write to documents that are put out by the government or the regulator in the public domain, often intended for public consultation – such as white papers or regulatory notifications or circulars or committee reports, etc.
This response identifies some overarching concerns with the Report that we seek to convey and substantiate. They are categorised under the following three sections: Section 1: The Report fails to identify the basis for a separate regulatory regime to regulate non-personal data (NPD).
In this blog post, we present our comments to the Report by the Committee of Experts on Non-Personal Data Governance Framework
Dvara Research is a not-for-profit policy research and advocacy institute whose primary mission is to ensure access to financial services for all individuals and enterprises.
In this post, we examine some questions with respect to India’s minimum wage laws, in light of the Code on Wages, 2019 and the Draft Wages Code Rules, 2020
We discuss the need for a clear vision, rationale, and a roadmap to be placed by the RBI for how it sees the draft framework enable the development of this market. We also consider how RBI has made the choice between capital neutrality and capital relief through this framework and how the outcomes from such a choice can have an impact on how securitisation serves the efficient movement of risks within the banking system and also to investors outside the banking system.
As per IRDAI (Micro Insurance) Regulations, 2015, the microinsurance business is exempted from customised benefit illustration6 and disclosure norms prescribed in IRDA (Linked and Non-Linked Insurance Products) Regulations. IRDAI’s latest circular on this continues to extend this exemption.
In this document, we present our response to the White Paper on the Strategy for National Open Digital Ecosystems (the White Paper) released by the Ministry of Electronics and Information Technology (MeitY) in February 2020. We are deeply concerned that creating National Open Digital Ecosystems (NODEs) as envisioned in the White Paper could entrench existing problems with service delivery and hamper the growth of a free and fair digital economy.
In this blog post, we present our comments to the White Paper on Strategy for National Open Digital Ecosystems in response to the call for comments by MeitY
In this Response, we present our comments on the RBI’s Draft Framework for Authorisation of a Pan-India New Umbrella Entity (NUE) for Retail Payment Systems (Reserve Bank of India, 2020) (hereafter ‘Draft Framework’). Our comments are organised into two sections. Section I recognises five overarching concerns (summarised below), which will seek to convey and substantiate the following feedback to the Draft Framework. 1. Clearer regulatory objectives must guide the vision and design for NUE.
Our response to RBI on draft New Umbrella Entity (NUE) framework
In all our research efforts, we strive to maintain an independent voice that speaks for the low-income household and household enterprises. Our ability to perform this function is significantly enhanced by our commitment to disseminate as a pure public good, all the intellectual capital that we create.
