CAIIB · BRBL

The Consumer Protection Act, 2019

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Banking Regulations and Business Laws — CAIIB.

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Q

What is the primary objective of the Consumer Protection Act, 2019?

A

The Act aims to protect consumers from unfair trade practices, defective goods, and deficient services, and provides a speedy and simple redressal mechanism for consumer disputes.

Q

Who can be a 'manufacturer' held liable under product liability provisions of the Consumer Protection Act, 2019?

A

Any person who manufactures, assembles, or labels a product.

Q

When did the Consumer Protection Act, 2019 come into force?

A

The Consumer Protection Act, 2019 came into force on 20th July 2020, replacing the earlier Consumer Protection Act, 1986.

Q

What is the appeal timeline from the National Commission to the Supreme Court under the Consumer Protection Act, 2019?

A

Within 30 days of the order.

Q

How is a 'consumer' defined under the Consumer Protection Act, 2019?

A

A consumer is a person who buys goods or avails services for consideration, but does not include a person who obtains goods or services for resale or commercial purposes.

Q

What minimum amount of pre-deposit is required to file an appeal before the National Commission?

A

50% of the amount awarded or Rs. 25,000, whichever is less.

Q

Does the Consumer Protection Act, 2019 apply to banking services?

A

Yes, banking and financial services are covered under 'services' as defined in the Act, making banks liable for deficiency in service to their customers.

Q

What does 'service' include under the Consumer Protection Act, 2019?

A

Banking, insurance, transport, housing, and other commercial services.

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