चाटुकारिता विरोधी@VIPtrolling
Dear Team @CyberDost @RBI
Flagging a serious public-interest concern that warrants urgent regulatory and cyber-safety review. CA @rhoeshan, Chairman of @Dibrugarh_ICAI, Assam, is identified as being associated with the administration of a public WhatsApp community named “CA Miles”, along with a few associates. This community is reportedly facilitating credit card reward points / airline miles “trading” with unknown users (screenshots of admins are annexed).
These and similar public WhatsApp communities reportedly witness daily transactions running into lakhs of rupees, often routed informally, with no verifiable audit trail, no KYC clarity, and no visible regulatory oversight.
Such activity may potentially enable:
1. unauthorised value transfer outside regulated channels
2. mule account usage and fund layering
3. tax evasion due to unreported income flows
4. circumvention of AML, KYC, and reporting frameworks, resulting in loss of regulatory visibility and potential revenue leakage for the @mygovindia @IncomeTaxIndia @FinMinIndia @NPCI_NPCI
Notably, the admins of such groups are displaying disclaimers such as “deals at your own risk” and “admins are facilitators, not guarantors”, seemingly to distance themselves from responsibility. However, mere disclaimers do not negate legal accountability where facilitation, coordination, or enabling of unauthorised financial activity is involved.
Additionally, the lack of transparency around ownership and administrative control of such public WhatsApp communities raises data privacy and user consent concerns. Where financial activity is involved, any change or sharing of administrative access may expose member data and communications to potential misuse without informed consent, warranting examination from a user safety and data protection perspective.
Screenshots are shared strictly for regulatory and cyber-awareness purposes. Requesting authorities to examine whether such ecosystems comply with existing financial, cyber, and payment regulations, and to issue appropriate guidance to safeguard users and the integrity of the financial system. #PublicInterest #CyberSafety #ConsumerProtection #FinancialRisk #DigitalIndia #ccgeek #ccgeeks
