1. [Dec 23, 2020](RBI_Press%20Release_20201223_RBI%20Cautions%20against%20unauthorised%20Digital%20Lending%20Platforms:Mobile%20Apps.pdf) - RBI cautioned against unauthorised Digital Lending Platforms/Mobile Apps. 2. [Jan 13, 2021](https://rbi.org.in/scripts/BS_PressReleaseDisplay.aspx?prid=50961) - Reserve Bank constituted a Working Group on digital lending including lending through online platforms and mobile apps 3. Nov 18, 2021 - [Report](RBI_Group-Committee_20211118_Report%20of%20the%20Working%20Group%20on%20Digital%20Lending%20including%20Lending%20through%20Online%20Platforms%20and%20Mobile%20Apps.pdf) of the Working Group on Digital Lending including Lending through Online Platforms and Mobile Apps 4. [August 10, 2022](RBI_Press%20Release_20220810_Recommendations%20of%20the%20Working%20group%20on%20Digital%20Lending%20-%20Implementation.pdf) - RBI announced implementation of some of the recommendations of the Working group on Digital Lending 1. Feb 14, 2023 - [FAQs](https://rbi.org.in/scripts/FAQView.aspx?Id=155) on Digital Lending Guidelines were issued 5. September 02, 2022 - [‘Guidelines on Digital Lending’]((https://rbi.org.in/Scripts/NotificationUser.aspx?Id=12382&Mode=0) were issued *(withdrawn)* 6. [April 26, 2024](RBI_Press%20Release_20240426_RBI%20invites%20comments%20on%20the%20Draft%20Circular%20on%20“Digital%20Lending%20–%20Transparency%20in%20Aggregation%20of%20Loan%20Products%20from%20Multiple%20Lenders”.pdf) - [Draft Circular](https://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=4424) on ‘Digital Lending – Transparency in Aggregation of Loan Products from Multiple Lenders’ was issued (withdrawn) 7. [May 8, 2025](RBI_Press%20Release_20250508_RBI%20issues%20Reserve%20Bank%20of%20India%20(Digital%20Lending)%20Directions,%202025.pdf) - RBI issued Reserve Bank of India (Digital Lending) Directions, 2025 8. [Sep 25, 2025](RBI_Press%20Release_20250925_RBI%20issues%20Directions%20on%20Framework%20on%20Authentication%20Mechanisms%20for%20Digital%20Payment%20Transactions.pdf) - RBI issues [Directions on Framework on Authentication Mechanisms for Digital Payment Transactions](https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12898) ## Grievance Redressal Mechanism 1. [Integrated Ombudsman Scheme](Ombudsman%20Scheme.md#^d276cc) ## Master Directions 1. November 28, 2025 - [Reserve Bank of India (Commercial Banks – Credit Facilities) Directions, 2025](https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13156) 1. [May 08, 2025](RBI_Press%20Release_20250508_RBI%20issues%20Reserve%20Bank%20of%20India%20(Digital%20Lending)%20Directions,%202025.pdf) - [Reserve Bank of India (Digital Lending) Directions, 2025](https://rbi.org.in/Scripts/NotificationUser.aspx?Id=12848) *(withdrawn)* 2. [April 26, 2024](RBI_Press%20Release_20240426_RBI%20invites%20comments%20on%20the%20Draft%20Circular%20on%20“Digital%20Lending%20–%20Transparency%20in%20Aggregation%20of%20Loan%20Products%20from%20Multiple%20Lenders”.pdf) - [Draft Circular](https://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=4424) on ‘Digital Lending – Transparency in Aggregation of Loan Products from Multiple Lenders’ was issued *(withdrawn)* 3. September 02, 2022 - [‘Guidelines on Digital Lending’](https://rbi.org.in/Scripts/NotificationUser.aspx?Id=12382&Mode=0) were issued *(withdrawn)* 4. [FAQs](https://rbi.org.in/scripts/FAQView.aspx?Id=168) on Guidelines on Default Loss Guarantee in Digital Lending 2. [Sep 25, 2025](RBI_Press%20Release_20250925_RBI%20issues%20Directions%20on%20Framework%20on%20Authentication%20Mechanisms%20for%20Digital%20Payment%20Transactions.pdf) - [Directions on Framework on Authentication Mechanisms for Digital Payment Transactions](https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12898) 1. [Feb 07, 2025](RBI_Press%20Release_20250207_Additional%20Factor%20of%20Authentication%20(AFA)%20for%20cross-border%20Card%20Not%20Present%20(CNP)%20transactions%20–%20Draft%20Directions.pdf) - Draft - [Additional Factor of Authentication (AFA) for cross-border Card Not Present (CNP) transactions](https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=4600) 2. [July 31, 2024](RBI_Press%20Release_20240731_Draft%20Framework%20on%20Alternative%20Authentication%20Mechanisms%20for%20Digital%20Payment%20Transactions.pdf) - Draft “[Framework on Alternative Authentication Mechanisms for Digital Payment Transactions](https://www.rbi.org.in/scripts/bs_viewcontent.aspx?Id=4477)” 3. November 28, 2025 - [Reserve Bank of India (Commercial Banks – Credit Cards and Debit Cards: Issuance and Conduct) Directions, 2025](https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13155) (and there are separate directions for *Small Finance Banks, Payment Banks, and Local Area Banks*). 1. April 21, 2022 - [Master Direction – Credit Card and Debit Card – Issuance and Conduct Directions](https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=12300) *(withdrawn)* 2. ==[FAQs](https://rbi.org.in/scripts/FAQView.aspx?Id=167)== on Master Direction (MD) - Credit Card and Debit Card – Issuance and Conduct Directions, 2022 4. [Other Directions](Cards.md#Master%20Directions) related to lending ## Related Notes 1. [Payment Systems](Payment%20Systems.md) 2. [Oversight of Payment Systems](Oversight%20of%20Payment%20Systems.md)