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The West Bengal State Consumer Commission has ruled that complaints involving alleged unauthorized UPI transactions cannot be summarily dismissed at the admission stage without affording parties a hearing, reinforcing that mere denial of liability is insufficient when factual disputes over fraud and lack of OTP sharing exist. This sets a critical precedent for banks and digital payment platforms, ensuring consumers get a fair adjudication when alleging digital financial fraud.

The Supreme Court clarifies that a corporate entity depositing surplus funds in a bank for interest does not lose its status as a consumer under the Consumer Protection Act, 1986. This ruling shields businesses from being excluded from consumer forums merely for earning passive income, and affirms that fraud in banking transactions must be pursued in civil or criminal courts - not consumer tribunals.