About

What RegTrac tracks, how, and why.

Scope

RegTrac tracks entities with statutory rule-writing power over India's financial sector: the seven core regulators (RBI, SEBI, IRDAI, PFRDA, IBBI, IFSCA, NABARD), adjacent statutory bodies (DICGC, NHB, SIDBI, NFRA), and non-statutory context entities that shape policy without a statute (FSDC, NPCI).

Out of scope by design: self-regulatory organisations — those live in SROTrac. Ministry-level policy making (Department of Economic Affairs, Department of Financial Services, MCA) enters RegTrac only where it touches regulator appointments; the LobbyWatch layer will own it properly.

Method

• The register is a small, auditable CSV — one row per entity — with the statute, establishing date, parent ministry, mandate and consumer grievance route.
• Leadership rows are added only with an appointment date and a source URL. Claims without a source stay out.
• The timeline is one row per event, same rule.
• Everything is regenerated from data by a single build script; the site is static HTML with no trackers, no cookies, no JavaScript dependencies.

Caveats

• Leadership positions are stated as of 26 Oct 2026 and will drift; rows carry their source so the next refresh can re-verify.
• "Statutory adjacent" bodies (DICGC, NHB, SIDBI, NFRA) are institutions with statutory foundations but narrower or shifted regulatory roles (e.g., HFC regulation moved from NHB to RBI in 2019).
• FSDC and NPCI are listed as context precisely because they lack statutes — the most consequential coordination in Indian finance happens in a body with no statutory foundation, and the payment rails are run by an industry-owned company. Both facts belong on the record, not in a footnote.

The stack

RegTrac is layer one of a three-layer sousveillance stack for Indian financial policy making:

1. RegTrac (this site) — the rule-writers: statutory regulators, their powers, appointments, consultations and grievance machinery.

2. SROTrac — the rule-borrowers: RBI-recognised self-regulatory organisations and — the part that matters — their member rosters, where industry consensus on fees and conduct actually forms.

3. LobbyWatch (live at https://lobbywatch.cashlessconsumer.in) — the rule-buyers: who submits on consultations, who meets whom, the revolving door between regulator and regulated, industry-association access to FSDC and ministries.

The stack's promise is the join: a consultation submission on an RBI draft (LobbyWatch), cross-referenced against SRO membership (SROTrac), cross-referenced against the regulatory change that followed (RegTrac). Each layer alone is a directory; together they are a map of how financial policy gets made in India — and for whom.

Open data

`data/regulators.csv`, `data/leadership.csv`, `data/events.csv` and a DuckDB database ship in the repository, plus an `llms.txt` for machine readers. Take it, fork it, build on it — attribution appreciated.

Colophon

Built by CashlessConsumer — a consumer collective working on digital payments and fintech since 2016. Sister projects: SROTrac, DPI Watch. Corrections: raise an issue on the repository.