CLAT GurukulSamudraManthan

Topic 181 · Answers

IRDAI moves against dark patterns in insurance

All 10 answers, each with its Book 1 RATNA fact. Try the questions first

  1. Question 1Answer C

    On 2 April 2026 IRDAI told insurers to self-assess dark-pattern compliance within what period?

    • 7 days
    • 30 days
    • Correct answer: 15 days
    • 45 days

    Core Trigger: On 2 April 2026 IRDAI told insurers to self-assess compliance with the CCPA's dark-pattern guidelines within 15 days.From Book 1 RATNA, topic 181, point 1

  2. Question 2Answer B

    IRDAI engaged which body for nine months of monitoring of insurers?

    • ICAI
    • Correct answer: Institute of Public Auditors of India
    • NFRA
    • Insurance Information Bureau

    Outcome: Insurers reported finding none, so IRDAI engaged the Institute of Public Auditors of India for nine months of monitoring.From Book 1 RATNA, topic 181, point 2

  3. Question 3Answer D

    Who is the Chairman of IRDAI?

    • Nidhi Khare
    • Sanjay Malhotra
    • Debasish Panda
    • Correct answer: Ajay Seth

    Current Head: Ajay Seth is IRDAI Chairman; Nidhi Khare is Chief Commissioner of the CCPA.From Book 1 RATNA, topic 181, point 3

  4. Question 4Answer A

    Which practice did Seth call 'forced action' on 25 July 2026?

    • Correct answer: Demanding personal data before showing a quote
    • Hiding the cancellation button
    • Adding pre-ticked extras
    • Showing false urgency timers

    Key Pattern: On 25 July 2026 Seth flagged 'forced action', such as demanding personal data before showing a quote.From Book 1 RATNA, topic 181, point 4

  5. Question 5Answer C

    A LocalCircles survey found 85% faced forced action, up from what earlier share?

    • 45%
    • 66%
    • Correct answer: 57%
    • 72%

    Data Point: A LocalCircles survey of over 87,000 customers found 85% faced forced action, up from 57%.From Book 1 RATNA, topic 181, point 5

  6. Question 6Answer B

    On 3 June 2026 the CCPA fined PhysicsWallah Rs 5 lakh and which firm Rs 1 lakh?

    • Unacademy
    • Correct answer: McAfee
    • Zomato
    • Paytm

    Stakeholders: On 3 June 2026 the CCPA fined PhysicsWallah Rs 5 lakh and McAfee Rs 1 lakh for dark patterns.From Book 1 RATNA, topic 181, point 6

  7. Question 7Answer C

    IRDAI's head office is at Nanakramguda in which city?

    • Mumbai
    • New Delhi
    • Correct answer: Hyderabad
    • Bengaluru

    Headquarters: IRDAI's head office is at Nanakramguda, Hyderabad; the Institute of Public Auditors sits in New Delhi.From Book 1 RATNA, topic 181, point 8

  8. Question 8Answer D

    In which year was the Institute of Public Auditors of India set up as a registered society?

    • 1986
    • 2003
    • 1972
    • Correct answer: 1996

    Founded: The Institute of Public Auditors of India was set up as a registered society in 1996.From Book 1 RATNA, topic 181, point 9

  9. Question 9Answer C

    The CCPA's Dark Patterns Guidelines, 2023 list how many specified dark patterns?

    • 9
    • 16
    • Correct answer: 13
    • 21

    Landmark: The CCPA issued the Dark Patterns Guidelines, 2023 on 30 November 2023, listing 13 specified dark patterns.From Book 1 RATNA, topic 181, point 10

  10. Question 10Answer A

    Consider: 1. The guidelines were issued under Section 18 of the Consumer Protection Act, 2019. 2. IRDAI inspects under the Consumer Protection Act. Which is/are correct?

    • Correct answer: Only 1
    • Only 2
    • Both 1 and 2
    • Neither

    Statute: Guidelines issued under Section 18 of the Consumer Protection Act, 2019; IRDAI inspects under Section 14(2)(h) of the IRDA Act, 1999.From Book 1 RATNA, topic 181, point 11

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