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SOLUTION · DIGITAL LENDING & RE/LSP ARCHITECTURE

Digital Lending Consent Platform for RBI & DPDP Compliance

Complete consent infrastructure built for Banks, NBFCs, and Lending Service Providers. Manage unbundled credit bureau pulls, mobile permission restrictions, and statutory PMLA loan retention holds with signed Merkle certificates.

RBI DLG 2022DPDP Act §6PMLA 2002 §12CICRA 2005Eighth Schedule 22 Languages
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STATUTORY RESPONSIBILITY MATRIX

Solving the RE and LSP Compliance Divide

RBI mandates that Regulated Entities (Banks and NBFCs) remain strictly liable for privacy violations committed by their Lending Service Providers (LSPs). ConsentPlix bridges the regulatory gap with unified, cryptographically verifiable governance.

For Regulated Entities (Banks & NBFCs)

  • Centralized Master Consent Registry: Real-time aggregation of consent events across all partner LSPs, co-lending platforms, and digital distribution apps.
  • Automated PMLA Retention Locks: Prevents unauthorized data deletion during the mandatory 5-year post-closure statutory window.
  • RBI Audit Dossier Generation: One-click generation of court-admissible audit packages for RBI compliance inspections.

For Lending Service Providers (LSPs & Fintechs)

  • Lightweight Mobile SDK (<12KB): Seamless native integration for Android and iOS loan origination apps without slowing checkout or KYC.
  • Zero Contact & Media Access Guardrails: Automatic architectural validation ensuring zero access to prohibited smartphone sensors.
  • Key Fact Statement (KFS) Consent Modals: Interactive vernacular disclosure screens presented prior to loan agreement execution.
FOUR CORE MODULES

Purpose-Built Architecture for Digital Lenders

MODULE 01CICRA 2005 & DPDP §6

Unbundled Credit Bureau Pull Consent

Capture explicit, non-coercive consent before executing credit inquiries against CIBIL, Experian, CRIF High Mark, or Equifax. Consent notices must specify purpose, inquiry validity duration, and be completely unbundled from general app terms.

SPECIFICATION: Mandatory isolated checkbox · Bureau-specific time-bound validity token
MODULE 02RBI DLG 2022 Cl. 4.1

Mobile Permission & Hardware Isolation

RBI Digital Lending Guidelines strictly forbid lending apps and LSPs from accessing mobile contacts, media galleries, call history, or file storage. ConsentPlix provides proof of zero-access architecture for RBI compliance audits.

SPECIFICATION: Enforced zero contact-sync policy · Camera and location one-time permission tokens
MODULE 03PMLA 2002 & DPDP §12

Statutory Retention vs Erasure Resolver

Borrowers requesting data erasure under DPDP Section 12 cannot force deletion of active loan records. ConsentPlix automates legal holds, maintaining loan agreements and KYC documentation for 5 years post-closure as mandated by PMLA.

SPECIFICATION: Automated Section 12 refusal certificate · HMAC-SHA256 sealed legal hold hash
MODULE 04DPDP §5(3) & RBI KFS Norms

Multilingual Key Fact Statement Notices

Deliver Key Fact Statements (KFS) and privacy notices in all 22 Eighth Schedule Indian languages. Borrowers review interest rates, APR, recovery partner names, and data collection purposes in their native vernacular before acceptance.

SPECIFICATION: 22 Eighth Schedule regional languages · Real-time language toggling without reload
REGULATORY CLARIFICATIONS

Frequently Asked Questions on Digital Lending Compliance

ENTERPRISE DEPLOYMENT

Make your digital lending pipeline 100% audit-proof

Integrate our lending consent SDK in less than 30 minutes or speak with our FinTech regulatory engineering team for custom co-lending setups.

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