{
  "id": 9465771,
  "title": "Irdai seeks ban on insurance website ‘dark patterns’",
  "url": "https://urgent.news/2026/09/23/irdai-seeks-ban-on-insurance-website-dark-patterns",
  "topic": "business",
  "section": "Business",
  "published": "2026-09-23T16:15:02.000Z",
  "source": {
    "name": "The Economic Times",
    "slug": "the-economic-times",
    "url": "https://economictimes.indiatimes.com/industry/banking/finance/insure/irdai-proposes-ban-on-insurance-website-dark-patterns-seeks-lower-distribution-costs/articleshow/134442298.cms"
  },
  "original_language": "en",
  "account": "The Insurance Regulatory and Development Authority of India (Irdai) has proposed prohibiting \"dark patterns\" on insurance websites to enhance transparency and customer-centricity in insurance distribution. \"Dark patterns\" refer to deceptive design practices that trick users into actions they did not initially intend. Irdai has also proposed a recalculation of the Expense of Management (EoM) framework for insurance companies, which aims to lower insurance costs and increase returns to policyholders. Under the new framework, the EoM limit for life insurers would be based on Gross Direct Premium Income (GDPI) and reduced over time, while general insurers would shift from Gross Written Premium (GWP) to domestic GDPI. The regulator has invited comments on the consultation paper until October 25.",
  "summary": null,
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}