Module: General Practice
Q14: Under the RBI guidelines, what is a mandatory requirement before a bank agent can visit a customer at their residence, business, or office?
✅ Correct Answer: C
The correct answer is an explicit prior consent from the customer.
Customer privacy is heavily guarded by the rules.
Agents and bank workers are not allowed to visit a customer's home, business, or office without getting this clear permission first.
Also, agents cannot talk about a customer's private matters with any other person unless the customer asked them to or gave clear permission to share that information.
Finally, if a customer asks for it, agents must immediately give them the contact details for the customer care and grievance redressal official.
Customer privacy is heavily guarded by the rules.
Agents and bank workers are not allowed to visit a customer's home, business, or office without getting this clear permission first.
Also, agents cannot talk about a customer's private matters with any other person unless the customer asked them to or gave clear permission to share that information.
Finally, if a customer asks for it, agents must immediately give them the contact details for the customer care and grievance redressal official.
🧠 Real-World Scenario:
Imagine a small business owner is working in their shop. Suddenly, a loan recovery agent shows up completely unannounced to demand payment and starts talking loudly in front of customers.
According to the rules, they can take severe legal action against the bank for two violations: arriving without prior permission and leaking private financial info to outsiders. This means ambush visits by banks are strictly illegal.