FinTech & Digital Lending
Digital Lending & LSP Compliance
Legal and compliance advisory for digital lending models involving regulated lenders, Lending Service Providers, Digital Lending Apps, borrower journeys, disclosures, data handling, servicing, recovery and outsourced activities under the current RBI framework.
Digital-lending review may cover
Map the functions performed by the regulated entity, LSP and DLA and identify contractual responsibility, oversight and escalation requirements.
Review loan-offer presentation, key disclosures, pricing information, communications and customer-facing documentation.
Examine disbursal, servicing, repayment, collection and recovery flows against the applicable regulatory model.
Data collection, consent, storage, access, third-party processing, privacy documentation and DLA governance.
Compliance framework
Identify lender, LSP, DLA, vendors, data flows and customer journey.
Review outsourcing, LSP, technology, recovery, DLG and data clauses where applicable.
Compare live operations and screens against the contractual and regulatory framework.
Create issue owners, revised documents, control changes and implementation evidence.
Current RBI framework
The Reserve Bank of India (Digital Lending) Directions, 2025 consolidate the regulatory framework for digital lending by regulated entities and address RE–LSP arrangements, borrower protection, technology and data requirements, and Digital Lending App reporting. See the current RBI directions and regulatory materials at Reserve Bank of India.
Related services
See our FinTech Companies, Data Protection Risk Audit and Contract Risk Audit pages.
Fastrack Legal Solutions LLP
Digital-lending compliance is operational, not merely contractual. The borrower journey, money flow, data access and vendor conduct should match the approved legal and regulatory structure.
General information only; not solicitation or legal advice for any specific matter.