{"what_this_is":"The machine-readable twin of the BankPulse page for one RBI rulebook. Same points, same dates, same paragraph references as the page a person reads. RBI's own wording is not reproduced here: each point names the RBI paragraph, the character offset into the text BankPulse read and the sha256 of that text, so the claim can be checked against RBI's own document.","schema_version":1,"release_id":"d653cdb0a5","generated_at":"2026-09-15T00:33:59.117975+00:00","id":"md13582","title":"Reserve Bank of India (Credit Information Companies - Miscellaneous) Supervisory Directions, 2026","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13582","status":"In force","importance":{"code":"MR","label":"MUST READ","weight":"Must read","why":"Binding RBI Directions naming this institution class in the title","layer":"bankpulse_inference"},"applies_to":{"shown":"Credit information companies","class_code":"CIC","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13582","mode":"four_dates_v1","published":{"label":"Published","value":"Jul 31, 2026","stated":true,"why":"The day RBI put this document out."},"effective":{"label":"Starts to apply","value":"","stated":false,"why":"Not stated separately in this document. Read the rule itself before you assume a start date."},"transition":{"label":"Time to get ready","value":"","stated":false,"why":"Cannot be worked out until the day it starts to apply is known."},"deadline":{"label":"Last date to act","value":"","stated":false,"why":"No date to act by was found in this document. Other dates may sit inside single paragraphs."},"sources":{"published":"doc_date in data/highlights/md13582.json","effective":"none held","transition":"none held","deadline":"none held"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13582","document_date":"Jul 31, 2026","read_by_bankpulse":"2026-08-21 16:26:07 UTC","text_sha256":"0e2d4ae16488970d458df89d9355b50ecfc7489818acafe37719eca4f4158845","word_count":1100,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":10,"points_naming_an_rbi_paragraph":10,"points_stored":10,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13582-2b9d5cad","page_group":"Opening paragraphs","stored_section":"THE CORE IDEA","heading":"One supervisory rulebook","plain_english":"This book holds RBI's mixed supervisory rules for credit information companies in one place.","rbi_paragraph":"Opening paragraphs","rbi_char_offset":2573,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13582#p1","layer":"bankpulse"},{"n":1,"claim":"md13582-9db77ee8","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"These rules took effect the day RBI issued them.","rbi_paragraph":"Para 2","rbi_char_offset":2820,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"There is no gap here between issue and effect. The Directions come into effect immediately upon issuance. A bank cannot wait for a separate start date, because there is none.","anchor":"https://bankpulse.ai/rule/md13582#p2","layer":"bankpulse"},{"n":2,"claim":"md13582-93328106","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These rules apply to a credit information company as the 2005 Act defines one.","rbi_paragraph":"Para 3","rbi_char_offset":2907,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13582#p3","layer":"bankpulse"},{"n":3,"claim":"md13582-1cbdce41","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Words from the Acts","plain_english":"Any other word takes its meaning from the RBI Act, the Banking Regulation Act or the Companies Act.","rbi_paragraph":"Para 4","rbi_char_offset":3171,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13582#p4","layer":"bankpulse"},{"n":1,"claim":"md13582-312724c9","page_group":"Chapter II. Use of Technology for Compliance Monitoring","stored_section":"WHO SHOULD ACT","heading":"Build a compliance tool","plain_english":"A firm must put in place a single, workflow-based tool that makes its compliance work more effective.","rbi_paragraph":"Para 5","rbi_char_offset":3627,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13582#p5","layer":"bankpulse"},{"n":2,"claim":"md13582-ddda9844","page_group":"Chapter II. Use of Technology for Compliance Monitoring","stored_section":"WHAT CHANGES","heading":"Pick what suits your size","plain_english":"The firm may choose the tools it prefers, judged by the size and spread of its own business.","rbi_paragraph":"Para 6","rbi_char_offset":4355,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13582#p6","layer":"bankpulse"},{"n":1,"claim":"md13582-9ce30f01","page_group":"Chapter III. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Old instructions repealed","plain_english":"The old rules on these matters were repealed by RBI's own circular.","rbi_paragraph":"Para 7","rbi_char_offset":4612,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A compliance officer keeps an old circular on the same subject in the manual. It no longer applies. The existing directions, instructions and guidelines on these areas stand repealed. Only this rulebook governs them now.","anchor":"https://bankpulse.ai/rule/md13582#p7","layer":"bankpulse"},{"n":2,"claim":"md13582-34cd0eed","page_group":"Chapter III. Repeal and Other Provisions","stored_section":"WHAT IT REPLACES","heading":"Earlier action stands","plain_english":"What was done or begun under the old rules is still ruled by them.","rbi_paragraph":"Para 8","rbi_char_offset":5032,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A show cause notice was issued under the old rules last year. The repeal does not move it. Any action taken or initiated under the repealed directions is still governed by them. The new rulebook applies to what comes after.","anchor":"https://bankpulse.ai/rule/md13582#p8","layer":"bankpulse"},{"n":3,"claim":"md13582-9d276afe","page_group":"Chapter III. Repeal and Other Provisions","stored_section":"WHAT CHANGES","heading":"Adds to other law","plain_english":"These rules add to other laws in force. They take nothing away.","rbi_paragraph":"Para 9","rbi_char_offset":6099,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A bank follows these Directions and thinks the matter is closed. It is not. Any other laws, rules, regulations or directions in force still apply on top. Where another one asks for more, the bank does the more.","anchor":"https://bankpulse.ai/rule/md13582#p9","layer":"bankpulse"},{"n":4,"claim":"md13582-af4284f5","page_group":"Chapter III. Repeal and Other Provisions","stored_section":"WHO SHOULD ACT","heading":"RBI's reading is final","plain_english":"RBI may clear up doubts, and its reading of any clause is final.","rbi_paragraph":"Para 10","rbi_char_offset":6305,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13582#p10","layer":"bankpulse"}],"actions":[],"amendments":[],"layers":{"rbi_source":"Facts taken from RBI's own document.","bankpulse":"BankPulse's plain-English summary of RBI's document.","bankpulse_inference":"BankPulse's own inference, not stated by RBI."},"rbi_wording_not_included":"By design. BankPulse never republishes RBI's exact sentences. Use rbi_paragraph with rbi_source.url to read RBI's own words.","terms":"BankPulse's plain-English summaries are BankPulse's own work. The underlying regulation is the Reserve Bank of India's. Always check the RBI document named in rbi_source before acting."}