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Module 9: Final Assessment

Consumer Protection & Cyber Law

📝 60 Questions ⏱️ 60 Minutes ✅ 70% Passing (42/60)
Part 9.1: CPA 2019 Framework (Q1-10)
Q1
Consumer Protection Act 2019 received Presidential assent on:
CPA 2019 received Presidential assent on August 9, 2019.
Q2
Under Section 2(42), "Service" explicitly includes:
Section 2(42) includes banking, financing, telecom, and purveying of news/information.
Q3
CCPA was established with effect from:
CCPA was established w.e.f. 24.07.2020.
Q4
Under 2021 Jurisdiction Rules, District Commission has jurisdiction up to:
Post 2021 Rules, District Commission jurisdiction is up to ₹50 Lakhs.
Q5
Pecuniary jurisdiction is now based on:
Supreme Court 2025 confirmed jurisdiction based on consideration paid, not compensation claimed.
Q6
Section 2(47)(ix) makes which practice an unfair trade practice?
S.2(47)(ix) specifically covers privacy violations — disclosure of personal info.
Q7
Limitation period for filing consumer complaint is:
Section 69 provides 2-year limitation from date cause of action arose.
Q8
Which is NOT a consumer right under Section 2(9)?
The six rights are: safety, information, choice, be heard, redressal, and education.
Q9
E-Daakhil portal is for:
E-Daakhil (edaakhil.nic.in) is for electronic filing of consumer complaints.
Q10
Product Liability is covered under:
Product Liability is covered under Chapter VI (Sections 82-87).
Part 9.2: E-Commerce Rules 2020 (Q11-20)
Q11
E-Commerce Rules 2020 were notified under:
E-Commerce Rules 2020 were notified under Section 101 of CPA 2019.
Q12
Under E-Commerce Rules, Grievance Officer must acknowledge complaints within:
Grievance Officer must acknowledge within 48 hours.
Q13
Complaints must be resolved by e-commerce entity within:
E-commerce entities must resolve complaints within 1 month.
Q14
"Basket Sneaking" is an example of:
Basket Sneaking (adding items without consent) is a dark pattern.
Q15
Under E-Commerce Rules, disputes must be resolved in:
Rule 4(11) mandates disputes in consumer's home jurisdiction.
Q16
Marketplace e-commerce entity:
Marketplace provides platform without owning inventory.
Q17
Sellers must NOT do which under Rule 6?
Rule 6 prohibits sellers from posting fake reviews.
Q18
ASCI 2022 report found the largest advertising code violator to be:
ASCI found education sector as largest violator in 2021-22.
Q19
"Confirm Shaming" dark pattern involves:
Confirm Shaming uses guilt-trip language like "No thanks, I hate saving money."
Q20
Under FDI policy, 100% FDI is allowed in:
100% FDI allowed only in marketplace model.
Parts 9.3-9.4: Cyber Services & Banking Deficiency (Q21-35)
Q21
"Deficiency" under Section 2(11) means:
Deficiency includes any fault, imperfection, shortcoming, or inadequacy.
Q22
RBI Circular on Customer Liability was issued on:
RBI Circular on Limiting Liability was issued July 6, 2017.
Q23
Customer has ZERO liability when:
Zero liability for bank's fault (always) or third-party breach with 3-day reporting.
Q24
In Hare Ram Singh v. SBI (2024), bank's 2FA breach was held as:
Delhi HC held 2FA breach = deficiency in service by bank.
Q25
Bank must complete fraud investigation within:
Per RBI guidelines, investigation must complete within 90 days.
Q26
Shadow reversal by bank means:
Shadow reversal = credit disputed amount within 10 days of complaint.
Q27
Banking Ombudsman can award compensation up to:
Banking Ombudsman compensation capped at ₹20 Lakhs.
Q28
In Jaiprakash Kulkarni case, court held:
Bombay HC confirmed zero liability when cyber cell proved third-party breach.
Q29
SIM swap fraud occurs when:
SIM swap = fraudster gets duplicate SIM to intercept OTPs.
Q30
Data breach by platform is recognized as:
ShopEase case: Data leak = deficiency in service.
Q31
Before approaching Banking Ombudsman, customer must:
Must complain to bank first and wait 30 days before Ombudsman.
Q32
EdTech platforms are subject to consumer jurisdiction because:
Per Manu Solanki, coaching/EdTech = service providers, not educational institutions.
Q33
SBI's argument that Paytm was "outside regulatory scope" was:
Delhi HC rejected — RBI PPI guidelines make bank responsible for third-party PPIs.
Q34
Consumer Commission can award punitive damages unlike:
Banking Ombudsman cannot award punitive damages; Consumer Commissions can.
Q35
FinTech lending apps can be complained against for:
FinTech apps covered for all service deficiencies including recovery harassment.
Part 9.5: E-Commerce & EdTech Deficiency (Q36-42)
Q36
In BYJU's West Bengal case, the company was held guilty of:
Hooghly Commission held BYJU's guilty of UTP and mental harassment.
Q37
Section 2(28) defines:
Section 2(28) defines misleading advertisement.
Q38
CCPA penalty for misleading advertisement (first offence):
First offence: up to ₹10 Lakhs; repeat: up to ₹50 Lakhs.
Q39
ShopEase data breach awarded per affected consumer:
ShopEase case: ₹30,000 compensation per affected consumer.
Q40
Ministry of Education warned parents about EdTech:
Ministry warned against signing EFT mandates during free demos.
Q41
CCPA can prohibit endorser from endorsing for (first offence):
1 year for first offence; 3 years for repeat offence.
Q42
"Drip Pricing" dark pattern means:
Drip Pricing = hiding full price until checkout by adding fees gradually.
Parts 9.6-9.7: Compensation & Complaint Drafting (Q43-60)
Q43
Section 39 provides for:
Section 39 details reliefs available to consumers.
Q44
Punitive damages are awarded for:
Punitive damages for egregious conduct — gross negligence, willful misconduct.
Q45
Class action can be filed by:
Section 35(1)(c) allows class action by consumers or CCPA.
Q46
Product liability under Chapter VI covers:
Section 84 covers death, injury, and property damage from defective products.
Q47
Typical interest rate awarded in cyber fraud cases:
Courts typically award 9-12% p.a. interest.
Q48
Court fee for District Commission complaint up to ₹5 Lakhs:
Fee is only ₹200 for claims up to ₹5 Lakhs.
Q49
Consumer complaint must include:
Complete complaint needs facts, legal grounds, relief, documents, and verification.
Q50
Mediation settlement under CPA has status of:
Mediation settlement has same status as decree — binding and enforceable.
Q51
Mediation must conclude within:
Mediation must complete within 3 months, extendable by 1 month.
Q52
State Commission jurisdiction (post 2021 Rules):
State Commission: >₹50 Lakhs to ≤₹2 Crores.
Q53
Appeal from District Commission lies to:
Appeal from District Commission to State Commission.
Q54
Advantage of consumer forum over criminal court for cyber fraud:
Consumer forum provides direct compensation; criminal court focuses on punishment.
Q55
Appeal time limit from District Commission order:
Appeal must be filed within 45 days of order.
Q56
For cyber fraud complaint, essential first step:
Immediate reporting to bank is crucial for zero liability claim.
Q57
National Commission jurisdiction (post 2021 Rules):
National Commission: >₹2 Crores.
Q58
Appeal from National Commission lies to:
Appeal from National Commission to Supreme Court.
Q59
RBI Circular 2017 compliance is binding on:
RBI guidelines binding on all banks and regulated entities.
Q60
CPA 2019 replaced:
CPA 2019 replaced Consumer Protection Act, 1986.

Quiz Results

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Correct
0
Incorrect
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Unanswered
42
Passing (70%)