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Topic 181 · Economy, Budget & Banking

IRDAI moves against dark patterns in insurance

10 MCQs · tap an option to check it · All answers

Revise the 12 points first Book 1 RATNA

Core Trigger: On 2 April 2026 IRDAI told insurers to self-assess compliance with the CCPA's dark-pattern guidelines within 15 days.
Outcome: Insurers reported finding none, so IRDAI engaged the Institute of Public Auditors of India for nine months of monitoring.
Current Head: Ajay Seth is IRDAI Chairman; Nidhi Khare is Chief Commissioner of the CCPA.
Key Pattern: On 25 July 2026 Seth flagged 'forced action', such as demanding personal data before showing a quote.
Data Point: A LocalCircles survey of over 87,000 customers found 85% faced forced action, up from 57%.
Stakeholders: On 3 June 2026 the CCPA fined PhysicsWallah Rs 5 lakh and McAfee Rs 1 lakh for dark patterns.
India Link: An IRDAI consultation paper proposes prohibiting dark patterns; comments are open until 25 October 2026.
Headquarters: IRDAI's head office is at Nanakramguda, Hyderabad; the Institute of Public Auditors sits in New Delhi.
Founded: The Institute of Public Auditors of India was set up as a registered society in 1996.
Landmark: The CCPA issued the Dark Patterns Guidelines, 2023 on 30 November 2023, listing 13 specified dark patterns.
Statute: Guidelines issued under Section 18 of the Consumer Protection Act, 2019; IRDAI inspects under Section 14(2)(h) of the IRDA Act, 1999.
Doctrine: A dark pattern deceives, coerces or influences consumers through design and is an unfair trade practice.

Question 1 of 10

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

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Answer: (C) 15 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

Question 2 of 10

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

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Answer: (B) Institute of Public Auditors of India

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

Question 3 of 10

Who is the Chairman of IRDAI?

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Answer: (D) 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

Question 4 of 10

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

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Answer: (A) Demanding personal data before showing a quote

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

Question 5 of 10

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

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Answer: (C) 57%

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

Question 6 of 10

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

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Answer: (B) McAfee

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

Question 7 of 10

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

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Answer: (C) Hyderabad

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

Question 8 of 10

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

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Answer: (D) 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

Question 9 of 10

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

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Answer: (C) 13

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

Question 10 of 10

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?

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Answer: (A) Only 1

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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