Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q83: Consider the following duties of an Authorized Person (AP) under Section 10 of FEMA. Which statement is CORRECT?

A
An AP can engage in any transaction on behalf of a client without asking for a declaration of the transaction's purpose.
B
An AP is immune from penalties if a client contravenes FEMA provisions using the AP's services.
C
An AP must satisfy itself that the transaction is compliant with the Act and must refuse to undertake the transaction if the client refuses to provide a declaration.
D
An AP is only required to report transactions exceeding USD 1 million to the RBI.
✅ Correct Answer: C
Option C is the statutory duty.
Concept Definition: Due Diligence obligations of the AP.
Structural Breakdown: The Declaration Rule: Under Section 10(5), an AP shall require a declaration from the person confirming that the transaction is lawful.
Refusal Duty: If the person refuses to declare, or if the AP believes the transaction involves a contravention, the AP must refuse to handle the transaction.
Causal Reasoning: This effectively deputizes banks (APs) as the first line of defense in forex compliance.
They are not just facilitators; they are gatekeepers.