<h1>Regulatory frameworks enable fintech innovation, supporting orderly growth and expanded credit access through consultation-driven rulemaking.</h1> The Reserve Bank frames its role as enabling fintech innovation under prudential oversight, crediting digital technologies with broadening financial inclusion and establishing India as a leader in digital payments. It highlights collaborative policymaking and consultation-driven rulemaking-illustrated by extensive stakeholder engagement-and identifies Account Aggregator, Unified Lending Interface (ULI), and Open Credit Enablement Network (OCEN) as regulatory frameworks aimed at expanding orderly credit access for small businesses and individuals.