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RBI Bans Dark Patterns, Compulsory Bundling for Banks from Jan 2027

Live · in forceNo withdrawal recorded as of 20 Jun 2026. Reviewed by Vikram Jain; always verify against the official RBI source below.
Issued by RBI: 15 Jun 2026  ·  Decoded by BankPulse: 19 Jun 2026, 00:03 IST
⏱ ~2 min read
📄 Official RBI source ↗
Quick answerRBI has banned dark patterns and compulsory bundling of financial products for commercial banks (excluding SFBs, PBs, RRBs, LABs) effective January 1, 2027. New rules define mis-selling, explicit consent, and DSA/DMA sub-agents, tightening customer suitability and transparency norms.

What changed

RBI issued the Second Amendment Directions, 2026 under the Responsible Business Conduct Directions, 2025, effective January 1, 2027. It inserts definitions for compulsory bundling, dark patterns, DSA/DMA sub-agents, explicit consent, and mis-selling into the existing framework. These replace earlier instructions on customer appropriateness and suitability with comprehensive rules on advertising, marketing, and sale of financial products.

What it means for you

Banks must stop forcing customers to buy one product to get another (compulsory bundling) and eliminate deceptive user interface designs (dark patterns) that trick customers. Mis-selling is now explicitly defined as selling unsuitable products even with customer consent, requiring banks to rigorously assess customer profiles. DSA/DMA sub-agents are brought under the same compliance net as primary agents, increasing accountability across the sales chain.

What you must do

Who it affects

All Commercial Banks (excluding SFBs, Payments Banks, RRBs, Local Area Banks), Direct Selling Agents (DSAs) and Direct Marketing Agents (DMAs), DSA/DMA sub-agents and outsourced sales individuals, Bank compliance and product teams, Digital platform and UX design teams

What is a 'dark pattern' under these new RBI rules?

RBI defines dark pattern as any practice or deceptive design pattern using user interface or user experience interactions on any platform that is designed to mislead or trick users to do something they originally did not intend or want to do, by subverting or impairing the consumer autonomy, decision making or choice, amounting to misleading advertisement or unfair trade practice or violation of consumer rights.

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AI-drafted · 3-model AI consensus fact-check · under the editorial review of Vikram Jain · decoded & published by BankPulse · 19 Jun 2026, 00:03 IST
Official RBI source: https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=13485&Mode=0 — Plain-English summary by BankPulse (bankpulse.ai), reviewed by Vikram Jain. Independent platform, not affiliated with the Reserve Bank of India; never reproduces RBI text verbatim.