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CS Professional · Banking and Insurance - Laws and Practice · Consumer Protection

A bank in Srinagar asks whether the Consumer Protection Act, 2019 applies to services it offers in Jammu and Kashmir and Ladakh, and to which goods and services the Act applies. What is the correct position?

The Act applies to all goods and services unless the Central Government notifies otherwise, under section 1(4). A notification of 30 October 2019 also made it applicable to the Union territories of Jammu and Kashmir and Ladakh, so the bank's services are covered.

  1. AIt does not extend to Jammu and Kashmir or Ladakh in any way
  2. BIt applies only to goods, not services
  3. CIt applies to all goods and services unless the Central Government notifies otherwise, and a notification extended it to the Union territories of Jammu and Kashmir and LadakhCorrect
  4. DIt applies only to services provided by public sector entities

Explanation

Section 1(4) states that, save as expressly provided by the Central Government by notification, the Act applies to all goods and services. The footnote records that a 2019 notification made it applicable to the Union territories of Jammu and Kashmir and Ladakh. So the other options are incorrect.

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