India DPDP Act + RBI AI/ML Guidelines
Coverage of India's Digital Personal Data Protection Act 2023, RBI's framework for responsible AI/ML in financial services, and MeitY's advisory on AI governance. Essential for auditing AI systems in the Indian regulatory context.
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Data Fiduciary (determines purpose/means — GDPR 'controller'), Data Processor (processes on behalf of fiduciary — same in GDPR), Data Principal (individual whose data is processed — GDPR 'data subject').
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Must appoint a Data Protection Officer based in India, conduct periodic Data Protection Impact Assessments, and undergo independent audits.
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AI-driven lending decisions must be explainable to customers with specific, actionable rejection reasons. Opaque 'AI-decided' responses are not acceptable. Independent model validation is required for high-impact models.
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DPDP Act uses a 'blacklist' approach — transfers are allowed to all countries except those specifically restricted by the government. GDPR uses a 'whitelist' approach — transfers are restricted unless the destination country has an adequacy decision or appropriate safeguards are in place.
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The maximum penalty is ₹250 crore (~$30M) per instance, applicable for failure to take reasonable security safeguards to prevent a data breach.
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India favors sector-specific regulation (RBI for banking, SEBI for capital markets, etc.) combined with voluntary frameworks, while the EU adopted a comprehensive, cross-sector legislative approach through the EU AI Act. India does not currently have a single comprehensive AI law.
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Processing children's data (under 18 — higher threshold than GDPR's 16) requires verifiable parental consent. Targeted advertising and behavioral tracking of children are prohibited. AI systems in educational contexts must comply.