#

1

2

3

4 (a)

4 (b)

5

6

7

8 (a)

8 (b)

9

10

11

12

13

14

15

16

 

Organization

Center for Responsible Lending

Responsible Business Lending Coalition

CGAP

Responsible Finance Forum

Responsible Finance Forum

Better Than Cash Alliance

Accion Center for Financial Inclusion

Innovative Lending Platform Association

Alliance for Financial Inclusion - Digital Financial Services Working Group

Alliance for Financial Inclusion - Consumer Empowerment & Market Conduct Working Group

Marketplace Lending Association

Coalition for Responsible Finance

Bank for International Settlements Committtee on Payments & Markets Infrastructure

Online Lenders Alliance

International Financial Consumer Protection Organisation (FinCoNet)

G20 Global Partnership for Financial Inclusion

ITU Focus Group Digital Financial Services

Consumer Finance Association

 

Six Principles for Real Reform: Balancing Bank Safety and Sensible Lending

Small Business Borrowers Bill of Rights

Doing Digital Finance Right

Client Protection Pirnciples: Model Law.  

Pinciples for Investors in  Inclusive Finance

Responsible Digital Payments Guidelines

Smart Campaign

Smart Box Model Disclosure Initiative

Consumer Protection in Mobile Financial Services

Consumer Empowerment & Market Conduct Guideline Notes 6, 7, 9

Marketplace Lending Best Practices  

CRBF Code of Ethics & Best Practices

Payment Aspects of Financial Inclusion

Online Lenders Alliance Best Practices

Report on Responsible Lending

Global Standard-Setting Bodies and Financial Inclusion

The Evolving Landscape

Main Recommendations

Good Practice Customer Charter

 

Appropriate Product Design & Delivery

 

2, 3

3

4

2

4

1

 

X

X

II

  

X

12, 13, 14

X

X

3, 5, 6

 

Advertising & Marketing Principles

         

X

   

X

5 (see also Sales Incentives & Responsible Lending Report)

    

Electronic Payment Processing  & Collection Practices

      

5

   

II

5

 

X

  

X

9, 10

 

Prevention of over-indebtedness

 

3

 

5

  

2

      

X

15

    

Transparency & Disclosure Principles

6

1

5

6

5

3

3

X

X

X

II

1, 3

2

X

7, 8, 9

X

X

4, 7, 8

 

Investor Transparency, Fairness & standards

  

6

7

   

X

  

I

        

Responsible Pricing

 

1, 2

 

7

  

4

  

X

II

5

 

X

6

 

X

  

Fair and Respectful Treatment of Clients

 

6

 

8

3

1

5

   

II

2, 3

 

X

16

 

X

1, 2

 

The Right to Fair Treatment by Brokers/Agents

 

4

   

6

   

X

 

4

 

X

Sales Incentives & Responsible Lending Report

X

X

  

Mobile Lead Generator Rules

             

X

     

Non-discrimination

 

5

        

II

        

Privacy of Client Data

  

7

9

 

7

6

 

X

   

2

X

 

X

X

  

Privacy Notice & Opt-Out Requirements

          

V

  

X

  

X

  

Management of third-party service providers/Vendors to protect client data

     

6

  

X

X

V

  

X

  

X

  

Mechanism for Complaint Resolution/Consumer redress

  

4

10

 

8

7

 

X

X

IV

 

2

X

22-26

 

X

  

Compliance with all local laws and regulations

        

X

 

IV

  

X

  

X

  

Security and Risk Management Practices/Standards

  

1

  

2

  

X

 

III

 

2

X

  

X

  

Safety, Soundness & Fraud prevention

     

2

    

III

 

2

X

  

X

  

Authentication & Security Information

             

X

  

X

  

Customer Mobile Security Measures

             

X

  

X

  

Obtain Consent to Communicate Electronically

             

X

     

Risk Management

        

X

 

V

 

2

   

X

  

Ensure network stability

  

1

                

Governance & Controls

   

3

4

     

IV

     

X

  

Implementation of Code of Ethics

           

6

       

Responsible Investment - ESG

    

4

              

Targeted Financial Education

              

10

X

   

Regulatory empowerment & focus

1, 2, 3, 4, 5

  

2

       

6

2

 

1-4, 17-21

    
                  

Note that the numbers in the table represent the number in the standard, principle or code of conduct for each organization listed above, Where numbers were not used in the standard, principles of code of conduct, then an "X" was used instead.