In a press release, the regulator referred to the guidelines issued by the Central Consumer Protection Authority (CCPA) on November 30, 2023, which seek to prevent and regulate deceptive digital practices that can mislead users or nudge them into unintended actions.
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The move is part of a broader regulatory push across the financial sector to address concerns around manipulative online design practices. The Reserve Bank of India (RBI) has also previously flagged risks associated with such “dark patterns,” describing them as interface designs that can influence consumer behaviour without informed consent.
IRDAI has asked all regulated entities to carry out a self-assessment of their compliance with these guidelines and submit a report within 15 days. In cases where gaps are identified, companies will be required to submit a time-bound action plan within one month to remove such practices.
The regulator’s directive is expected to increase scrutiny of digital sales channels in the insurance sector, as authorities seek to strengthen consumer protection and transparency in online financial services.
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