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.
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
Comments on PDP 2019
Dvara Research is an independent Indian not-for-profit research institution guided by our mission of ensuring that every individual and every enterprise has complete access to financial services.
Comments on the Personal Data Protection Bill 2019 introduced in the Lok Sabha on 11 December 2019
In this document, we present our initial comments on the Personal Data Protection Bill 2019 (the Bill), introduced in the Lok Sabha in December 2019. This continues our engagement with the public consultation process on India’s new data protection regime since 2017.2 We welcome the introduction of the Bill in Parliament as an important development to take forward India’s journey towards an overarching data protection framework.
We have provided our constructive comments on the Draft in response to the call for responses from stakeholders dated 17.09.2019. (Ministry of Labour and Employment , 2019) We have commented on the following aspects of the Draft, namely: 1. The need for greater clarity on institutions set up under the Draft, particularly the Central Board of Trustees and the National Social Security Board for Unorganised Workers. 2. The definition of “worker” and “employee” under the present draft.
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.
