Applied Regulatory Impact Assessment

Case studies

Applications of the assessment framework to digital lending, securities settlement, and food labelling regulation.

Abstract policy illustration of digital credit pathways, risk transfer, and regulatory safeguards
Financial regulation / I

Default Loss Guarantees in Digital Lending

By Harshal Chitale and Amol Kulkarni

Applies Regulatory Impact Assessment to digital-lending provisions in the Reserve Bank of India's draft credit-facilities directions. The study compares disclosure, caps, self-regulation, and risk-based approaches, and identifies risk-based regulation as the strongest net-impact option.

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Abstract financial pathways illustrating the coordination of securities settlement
Securities regulation / II

Shortening Securities Settlement Cycles

Examines the costs, benefits, and distributional effects of SEBI interventions to shorten securities settlement cycles, including the transition to T+1 and the assessment of T+0 settlement.

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Abstract comparison of coffee, chicory, packaging labels, and regulatory analysis
Food regulation / III

Coffee-Chicory Labelling Requirements

By Gargi Surana

Examines FSSAI options for coffee-chicory composition labels, from the status quo and outcome-based requirements to co-regulation and front-of-pack disclosures. The study weighs compliance costs against consumer information, transparency, and welfare benefits.

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