<h1>Co-operative bank revamps FD, housing and women's business loans, raising compliance questions on disclosure, KYC, rates and lending limits</h1> A multi-state scheduled co-operative bank marked its 47th foundation day by redesigning three retail products: a fixed deposit offering higher returns (differentiated senior-citizen and general ROIs for a specified term), a housing loan with reduced charges and an increased loan cap up to ?3 crore, and a women-focused business loan with eased documentation and faster approvals. These product changes implicate consumer disclosure, interest-rate and lending-limit compliance, fair-lending and non-discrimination obligations, Know-Your-Customer and loan documentation requirements, and adherence to applicable banking and co-operative regulations administered by the relevant financial regulator.