India: Dodd-Frank, Consumer Protection Act

Pesky, promotional and unsolicited commercial communications can be intrusive and disruptive for consumers, particularly when received without their consent. They can result in consumers being constantly exposed to unwanted commercial messages, making it harder to distinguish important communications from promotional content. In some cases, such communications may also encourage unwanted purchases or expose consumers to potential fraud and other risks. In view thereof, Central Consumer Protection Authority (CCPA) has proposed a draft of the Guidelines for Prevention and Regulation of Pesky, Promotional and Unsolicited Commercial Communications, 2026 (Draft Guidelines).

The Supreme Court has delivered a pivotal judgment on banking liability under consumer protection law, examining whether banks can be held liable for deficiency in service when they fail to present deposited cheques within their validity period. This case arose from civil appeals filed by Canara Bank challenging the National Consumer Disputes Redressal Commission's ruling that found the bank guilty of service deficiency.

India's regulatory ecosystem is proactively shaping AI governance without a standalone AI Act, leveraging robust sectoral frameworks to ensure innovation thrives alongside accountability.