The ministry has noted that "many of these illegal lending apps may not be regulated entities by RBI and are using bulk SMS, digital advertisement, chat messengers and mobile app stores on a massive scale".
source https://economictimes.indiatimes.com/industry/banking/finance/banking/illegal-digital-lending-apps-driving-citizens-to-suicide-says-ministry-of-home-affairs/articleshow/95188059.cms
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