Context: The Insurance Regulatory and Development Authority of India (IRDAI) has asked insurers selling products on digital platforms to assess compliance with guidelines on dark patterns and submit corrective action plans for any violations.
CORE CONCEPTS:
- Dark patterns are deceptive UI (User Interface) and UX (User Experience)Â designs that manipulate users into unintended actions such as hidden costs, forced consent, or misleading choices.
- Consumer Protection Act, 2019 empowers authorities to prevent unfair trade practices in digital markets.
- Central Consumer Protection Authority (CCPA) issued guidelines (in 2023) to regulate dark patterns.
- Increasing digitisation of financial services raises risks of consumer exploitation.
- Regulators like IRDAI ensure transparency, fairness, and informed consent in insurance products.
- IRDAI (Insurance Regulatory and Development Authority of India): Statutory body established in 1999 under IRDA Act; headquartered in Hyderabad. It regulates and promotes the insurance sector and protects policyholders’ interests.
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