印度从2026年7月1日起禁止金融销售中强行捆绑和黑暗模式,要求同意和适当性检查。 India to ban forced bundling and dark patterns in financial sales, requiring consent and suitability checks starting July 1, 2026.

印度储备银行发布了规则草案,以从2026年7月1日起打击银行和新金融中心对金融产品的错误销售。 The Reserve Bank of India has released draft rules to combat mis-selling of financial products by banks and NBFCs, effective July 1, 2026. 准则禁止强迫捆绑,要求每种产品得到明确同意,禁止数字界面中的欺骗性“黑暗模式”,并授权根据客户概况进行适当性评估。 The guidelines ban forced bundling, require explicit consent for each product, prohibit deceptive "dark patterns" in digital interfaces, and mandate suitability assessments based on customer profiles. 银行必须退款并补偿客户经证实的错误销售,包括不顾同意出售不合适产品的情况。 Banks must refund and compensate customers for proven mis-selling, including cases where unsuitable products are sold despite consent. 销售限制适用于上午9时至下午6时,除非另有同意,第三方代理人必须清楚可识别。 Sales restrictions apply to 9 a.m. to 6 p.m., unless consented otherwise, and third-party agents must be clearly identifiable. 公众的反馈应于2026年3月4日前发出。 Public feedback is due by March 4, 2026.