The third post in our three-part series on Pensions.

The author works as a Research Associate with Dvara Research. The author acknowledges the contribution of Deepti George, Dwijaraj B, Madhu Srinivas, Sowmini G Prasad for their valuable inputs on the draft.

Tracking Performance of Small Finance Banks against Financial Inclusion Goals

This paper presents ideas for a new approach to enforcement of a data protection regime, based on risk-based supervision and the use of a range of responsive enforcement tools that could be deployed in advance of a breach to prevent it, or after a breach to mitigate the effects.

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.

Our response to the Ministry of Labour on social security code.

Examining the definition and usage of the term “harm” in India’s draft Personal Data Protection Bill 2018.

Three issues that the RBI must prioritize as it seeks to revise MFI regulations. While the prescriptive nature of these regulations has helped by setting in place core systems, processes and an overall structure towards better compliance, there is a growing concern over the capability of the current regime to effectively protect borrowers from over-indebtedness.

It provides no guidelines to account for minimum consumption by households, despite Supreme Court rulings on this.

RBI would do well to rethink its strategy of improving policy transmission by linking retail loans to external benchmarks.