REGULATORY PROGRAMMEIRDAI direction dated 2 April 2026 · CCPA Dark Pattern Guidelines, 2023
Compliance posture across digital insurance journeys
Lumen scans every regulated surface for the 13 statutory dark patterns, captures tamper-evident consent & decision provenance on live journeys, and produces the self-assessment and remediation plan IRDAI requires insurers to file.
Compliance score
15
Weighted by open finding severity
Open findings
21
10 critical · 9 high · 2 med
Patterns present
13/13
of the 13 CCPA dark patterns detected
Surfaces audited
10
web · app · aggregator · WhatsApp
Highest-risk open findings
21 open| ID | Pattern | Surface | Severity | Status |
|---|---|---|---|---|
| F-101 | Interface Interference DP-06 | Motor - Quote & Add-ons | Critical | Open |
| F-102 | Drip Pricing DP-08 | Motor - Quote & Add-ons | Critical | Open |
| F-105 | Basket Sneaking DP-02 | Motor - Checkout & Payment | Critical | Open |
| F-201 | Interface Interference DP-06 | Health - Plan & Riders | Critical | Open |
| F-202 | Interface Interference DP-06 | Health - Plan & Riders | Critical | Open |
Remediation status
Open18
Remediating3
Resolved1
Accepted risk1
Target filing: remediation plan to IRDAI with owner & timeline per finding.Open self-assessment →
LAYER 1 · NOWDetect & remediate
Static + runtime scanners flag pre-ticked add-ons, drip pricing, confirm-shaming, basket-sneaking and the rest of the 13 patterns across quote, checkout, renewal, cancellation and claims flows - the immediate IRDAI self-assessment.
Run the scanner →LAYER 2 · NEXTProve every decision
A tamper-evident, hash-chained ledger records what was shown, when, what the customer clicked and how consent was obtained - the answer to IRDAI's next question: “show me exactly why this customer bought this cover.”
Open the Live Journey Lab →