Compliance Checklist: Deploying AI in IRDAI and RBI Regulated Industries
A complete compliance framework for deploying AI Employees in insurance and banking. Covers do-not-call registry, call timing rules, recording obligations, consent capture, and DPDPA requirements.
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What You'll Learn
- 01
IRDAI and RBI call compliance rules in detail
- 02
Consent capture and DPDPA obligations for AI agents
- 03
Call recording and audit log requirements
- 04
Do-not-call registry checks and frequency caps
- 05
Handling customer complaints raised during AI interactions
100%
Compliance Coverage
0
Regulatory Violations
30 min
Audit Report Export
12+
Regulatory Frameworks
Step-by-Step Guide
Understand Which Regulations Apply
Banks and NBFCs: RBI Digital Lending Guidelines, Fair Practices Code, TRAI TCCCPR. Insurers: IRDAI Regulations on Outsourcing and Distance Marketing. All entities: DPDPA 2023, IT Act, Aadhaar data norms. Know your full compliance stack before you configure anything.
Configure Call Timing Windows
RBI: calls between 8am–7pm only, no calls on public holidays unless borrower initiates. IRDAI: follows TRAI rules - 9am–9pm for transactional, 10am–7pm for promotional. Configure these windows as hard limits in your agent setup.
Set Up DNC Registry Integration
Integrate with TRAI's National Do Not Call registry and your internal DNC list before any campaign goes live. The agent checks both in real time before each call attempt. Maintain a log of all DNC checks for audit purposes.
Build Consent Capture Flows
For WhatsApp and SMS outreach, capture explicit opt-in consent before the first non-transactional message. Store consent records with timestamp, channel, and purpose - accessible for regulator review at any time.
Mandate Agent Identification and Disclosure
Every voice interaction must begin with agent identification (name, company, registration number). Every WhatsApp message must include your company name and purpose. These are non-negotiable regulatory requirements.
Configure Recording, Audit Logs, and Complaint Handling
All calls must be recorded and stored for a minimum of 6 months (RBI) or as specified by IRDAI. Complaint interactions must be flagged, escalated, and resolved within the regulatory timeline. Export audit trails on demand.
Frequently Asked Questions
Does UnleashX handle DPDPA consent management?
Yes. UnleashX includes built-in consent capture, storage, and withdrawal handling in line with India's Digital Personal Data Protection Act 2023.
What happens if a customer requests data deletion?
Deletion requests are flagged and routed to your compliance team. UnleashX provides a data export and deletion workflow compliant with DPDPA Right to Erasure requirements.
Can we export call recordings for a regulatory inspection?
Yes. All recordings are stored with full metadata (date, time, agent ID, customer ID, outcome) and can be bulk-exported in standard formats for regulatory review.
Is the compliance configuration audited before go-live?
Yes. Every deployment includes a compliance readiness check by our team before any live calls are made. We provide a compliance sign-off checklist you can share with your legal team.
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