REGULATORY & COMPLIANCE

Does it comply?

Assess a product or business model requirement by requirement — against RBI, SEBI, FEMA or the DPDP Act — with the evidence linked to every answer and the exposure noted where it falls short.

Join early access All five opinions

The brief

For fintech, investment, cross-border and data-protection advice.

A compliance opinion takes the regulation apart into its requirements and answers each one against the client's documents. The work is in finding every requirement that applies, and the evidence for each answer.

The business model
Product notes, process documents, flow diagrams and the client's own description.
Policies and agreements
Privacy notices, customer terms, outsourcing and partner agreements.
Licences and filings
Registrations, approvals and returns already in place.
Correspondence
Letters, notices and directions from the regulator.

FRAMEWORKS

Built around the regulator's own text.

Each matter names the framework it is assessed against.

RBI

Banking & payments

Directions and circulars for banks, NBFCs, payment systems and digital lending.

SEBI

Securities

Regulations for listed companies, intermediaries and investment products.

FEMA

Foreign exchange

Rules on foreign investment, overseas investment and cross-border payments.

DPDP Act

Personal data

The Digital Personal Data Protection Act, 2023: notice, consent, purpose and the rights of data principals.

ASSESSMENT

Requirement by requirement.

Every applicable provision becomes a line of the assessment — the way you would set it out in the opinion.

The provision Each requirement that applies, cited to the regulation and retrieved from its text.
Its status Met, not met or not applicable — your call, with the reasoning beside it.
The evidence The document and page that support the answer, one click away.
Penalty exposure Where a requirement is not met, the consequence the regulation provides.

FAQS

Compliance questions.

Which regulators does it cover?

RBI, SEBI, FEMA and the DPDP Act. Any other framework can be named for the matter, with its requirements set out.

Does it decide whether the client complies?

No. It sets each requirement beside the evidence, with the page, so your conclusion rests on the record. The opinion is yours.

What if the evidence isn't in the documents?

The requirement is shown with no evidence linked, so you know exactly what to ask the client for.