Guides

Plain-language guides for compliance, digital and audit teams: what the rules on dark patterns and consent ask for, what each pattern looks like in a loan journey, and how to check your own.

• RBI's dark-pattern rules from 1 January 2027: a checklistWhat the directions say, who should read which text, and twelve things to look for in every customer journey.
• Drip pricing in a loan journeyCharges every customer must pay, shown late or added as the journey goes on.
• Confirm shaming: when saying no is made to feel wrongDecline options worded to guilt, frighten or embarrass the customer.
• Basket sneaking: add-ons the customer never choseA product or charge that appears in the journey without the customer choosing it.
• Pre-ticked consent boxes: why consent should start at NoConsent controls that are already switched on when the screen loads.

This guide is general information, not legal advice, and not an opinion on any institution's position. Requirements change: check the official RBI text for your entity category before relying on anything here.