Ten MCQs on current International and national events - 219

PRERNA FOR IAS

(ASSOCIATE OF SAMKALP)

A-Category MCQs -219

Q1. Digital Arrest Scams, Banking Regulation and Consumer Protection

In the context of the Supreme Court's reported observations on digital arrest scams, consider the following statements:

1. A digital arrest conducted through a video call is a legally recognised method of detention under Indian criminal law.
2. The Reserve Bank of India regulates banks and plays an important role in financial consumer protection.
3. Monitoring unusual financial transactions can help identify possible cyber fraud.
4. Banks should automatically be held liable for every fraudulent transaction, irrespective of their compliance with applicable security requirements.

Which of the statements given above are correct?

(a) 1 and 2 only
(b) 2 and 3 only
(c) 2, 3 and 4 only
(d) 1, 2, 3 and 4

Correct Answer: (b) 2 and 3 only

Explanation: The Supreme Court reportedly examined measures to strengthen protection against digital arrest scams. Statement 1 is incorrect because digital arrest through a video call has no legal recognition. Statement 2 is correct because the RBI regulates banks and issues directions concerning financial safety and consumer protection. Statement 3 is correct because suspicious-transaction monitoring can help prevent fraudulent transfers. Statement 4 is incorrect. Liability must depend on applicable law, evidence and whether the bank failed to exercise required care. The Court's reported suggestions should not be confused with an established universal compensation rule. Hidden trap: Judicial observations are not automatically final legal rules.

Q2. Electoral-Roll Revision and Constitutional Democracy

In the context of the Election Commission's reported extension of SIR deadlines, consider the following statements:

1. Article 324 of the Constitution provides for the Election Commission's superintendence, direction and control of elections.
2. Article 326 establishes adult suffrage for elections to the Lok Sabha and State Legislative Assemblies.
3. Form 6 is generally used to apply for inclusion of a name in the electoral roll.
4. Extension of an electoral-roll revision deadline automatically proves that the original revision process was unconstitutional.

Which of the statements given above are correct?

(a) 1, 2 and 3 only
(b) 1, 3 and 4 only
(c) 2, 3 and 4 only
(d) 1, 2, 3 and 4

Correct Answer: (a) 1, 2 and 3 only