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    <description>Whether regulatory records - including top NPA lists, willful defaulter identities, monetary penalty documents and statutory inspection reports - are liable to be disclosed under the RTI framework despite banks&#039; claims of commercial confidentiality; the regulator severed exempt material, applied the Third Party consent process, relied on precedent favoring disclosure and the absence of a fiduciary relationship, while affected banks appealed and the information authority referred the matters to a larger bench and stayed disclosure pending adjudication.</description>
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