{"id":62401,"date":"2016-08-20T10:33:25","date_gmt":"2016-08-20T05:03:25","guid":{"rendered":"http:\/\/www.scconline.com\/blog\/?p=62401"},"modified":"2016-09-13T15:11:16","modified_gmt":"2016-09-13T09:41:16","slug":"draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions","status":"publish","type":"post","link":"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/","title":{"rendered":"RBI seeks comments on Draft Circular on Customer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic Banking Transactions"},"content":{"rendered":"

The Reserve Bank of India placed on its website the Draft Circular\u00a0on \u201cCustomer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic Banking Transactions\u201d for feedback.<\/p>\n

The highlights of the draft circular are:<\/p>\n

1) Where customer\u2019s own involvement is established, customer will be liable.<\/p>\n

2) Customer will not be liable:<\/p>\n

    \n
  1. Where fraud\/negligence is on the part of the bank;<\/li>\n
  2. Third party breach where the customer notifies the bank within three working days of receiving communication from the bank regarding unauthorized transaction.<\/li>\n<\/ol>\n

    3) Where customer\u2019s own involvement is not clearly established, customer liability will be limited to a maximum of ? 5000\/- if he reports within 4 to 7 working days.<\/p>\n

    4) If customer reports beyond 7 working days, customer liability will be determined based on bank\u2019s Board approved policy.<\/p>\n

    Background<\/p>\n

    The recent surge in customer grievances relating to unauthorised electronic banking transactions resulting in debits to their accounts\/cards, has necessitated a review of the criteria for determining the customer liability in these circumstances.<\/p>\n

    Suggestions\/comments, if any, on the Draft Circular may be sent by post to the Chief General Manager, Department of Banking Regulation, Reserve Bank of India, Central Office, 12th Floor, Shahid Bhagat Singh Marg, Mumbai-400 001, on or before August 31, 2016.<\/p>\n

    To read the Draft Circular, click HERE<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

    The Reserve Bank of India placed on its website the Draft Circular\u00a0on \u201cCustomer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic <\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1188,2],"tags":[],"class_list":["post-62401","post","type-post","status-publish","format-standard","hentry","category-hot_off_the_press","category-news"],"yoast_head":"\nRBI seeks comments on Draft Circular on Customer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic Banking Transactions | SCC Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"RBI seeks comments on Draft Circular on Customer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic Banking Transactions\" \/>\n<meta property=\"og:description\" content=\"The Reserve Bank of India placed on its website the Draft Circular\u00a0on \u201cCustomer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/\" \/>\n<meta property=\"og:site_name\" content=\"SCC Times\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/scc.online\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-08-20T05:03:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2016-09-13T09:41:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/07\/reserve-bank-of-india-rbi-.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1330\" \/>\n\t<meta property=\"og:image:height\" content=\"887\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sucheta\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sucheta\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/\",\"url\":\"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/\",\"name\":\"RBI seeks comments on Draft Circular on Customer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic Banking Transactions | SCC Times\",\"isPartOf\":{\"@id\":\"https:\/\/www.scconline.com\/blog\/#website\"},\"datePublished\":\"2016-08-20T05:03:25+00:00\",\"dateModified\":\"2016-09-13T09:41:16+00:00\",\"author\":{\"@id\":\"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/7416b8c43cd3a0a3412cf97fc17b54fa\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.scconline.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"RBI seeks comments on Draft Circular on Customer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic Banking Transactions\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.scconline.com\/blog\/#website\",\"url\":\"https:\/\/www.scconline.com\/blog\/\",\"name\":\"SCC Times\",\"description\":\"Bringing you the Best Analytical Legal News\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.scconline.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/7416b8c43cd3a0a3412cf97fc17b54fa\",\"name\":\"Sucheta\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/530d4c250404c869212316d6351878b83f86bf27648031b1e6d4857a4bae4b88?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/530d4c250404c869212316d6351878b83f86bf27648031b1e6d4857a4bae4b88?s=96&d=mm&r=g\",\"caption\":\"Sucheta\"},\"url\":\"https:\/\/www.scconline.com\/blog\/post\/author\/legal_editor\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"RBI seeks comments on Draft Circular on Customer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic Banking Transactions | SCC Times","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/","og_locale":"en_US","og_type":"article","og_title":"RBI seeks comments on Draft Circular on Customer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic Banking Transactions","og_description":"The Reserve Bank of India placed on its website the Draft Circular\u00a0on \u201cCustomer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic","og_url":"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/","og_site_name":"SCC Times","article_publisher":"https:\/\/www.facebook.com\/scc.online\/","article_published_time":"2016-08-20T05:03:25+00:00","article_modified_time":"2016-09-13T09:41:16+00:00","og_image":[{"width":1330,"height":887,"url":"https:\/\/www.scconline.com\/blog\/wp-content\/uploads\/2016\/07\/reserve-bank-of-india-rbi-.jpg","type":"image\/jpeg"}],"author":"Sucheta","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Sucheta","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/","url":"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/","name":"RBI seeks comments on Draft Circular on Customer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic Banking Transactions | SCC Times","isPartOf":{"@id":"https:\/\/www.scconline.com\/blog\/#website"},"datePublished":"2016-08-20T05:03:25+00:00","dateModified":"2016-09-13T09:41:16+00:00","author":{"@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/7416b8c43cd3a0a3412cf97fc17b54fa"},"breadcrumb":{"@id":"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.scconline.com\/blog\/post\/2016\/08\/20\/draft-circular-on-customer-protection-limiting-liability-of-customers-in-unauthorised-electronic-banking-transactions\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.scconline.com\/blog\/"},{"@type":"ListItem","position":2,"name":"RBI seeks comments on Draft Circular on Customer Protection \u2013 Limiting Liability of Customers in Unauthorised Electronic Banking Transactions"}]},{"@type":"WebSite","@id":"https:\/\/www.scconline.com\/blog\/#website","url":"https:\/\/www.scconline.com\/blog\/","name":"SCC Times","description":"Bringing you the Best Analytical Legal News","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.scconline.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/7416b8c43cd3a0a3412cf97fc17b54fa","name":"Sucheta","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.scconline.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/530d4c250404c869212316d6351878b83f86bf27648031b1e6d4857a4bae4b88?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/530d4c250404c869212316d6351878b83f86bf27648031b1e6d4857a4bae4b88?s=96&d=mm&r=g","caption":"Sucheta"},"url":"https:\/\/www.scconline.com\/blog\/post\/author\/legal_editor\/"}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":142851,"url":"https:\/\/www.scconline.com\/blog\/post\/2017\/07\/17\/rbi-limlits-liability-of-customers-in-unauthorised-electronic-banking-transactions\/","url_meta":{"origin":62401,"position":0},"title":"RBI limits liability of customers in unauthorised electronic banking transactions","author":"Saba","date":"July 17, 2017","format":false,"excerpt":"Please refer to our\u00a0circular DBOD.Leg.BC.86\/09.07.007\/2001-02 dated April 8, 2002\u00a0regarding reversal of erroneous debits arising from fraudulent or other transactions. 2. With the increased thrust on financial inclusion and customer protection and considering the recent surge in customer grievances relating to unauthorised transactions resulting in debits to their accounts\/ cards, the\u2026","rel":"","context":"In "Hot Off The Press"","block_context":{"text":"Hot Off The Press","link":"https:\/\/www.scconline.com\/blog\/post\/category\/news\/hot_off_the_press\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-3.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-3.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-3.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-3.jpg?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2017\/02\/RBI-3.jpg?resize=1050%2C600&ssl=1 3x"},"classes":[]},{"id":292807,"url":"https:\/\/www.scconline.com\/blog\/post\/2023\/05\/22\/madras-high-court-holds-paytm-liable-for-unauthorised-transactions-from-customer-account-legal-news\/","url_meta":{"origin":62401,"position":1},"title":"Who is liable for unauthorised transactions via prepaid payment instruments? Madras High Court answers","author":"Apoorva","date":"May 22, 2023","format":false,"excerpt":"Madras High Court said that the RBI guidelines are issued not as a formality, but the entities subjected to the RBI regulations should comply with the conditions of the master circular in its true letter and spirit","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"madras high court","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/04\/madras-high-court.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/04\/madras-high-court.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/04\/madras-high-court.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2023\/04\/madras-high-court.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":353963,"url":"https:\/\/www.scconline.com\/blog\/post\/2025\/07\/21\/all-hc-denies-relief-businessmen-claiming-wilful-transaction-as-fraud\/","url_meta":{"origin":62401,"position":2},"title":"\u2018Burden of proving customer’s liability in unauthorized e-banking lies upon bank\u2019; Allahabad HC denies relief to businessmen claiming wilful transaction as cyber fraud","author":"Sonali Ahuja","date":"July 21, 2025","format":false,"excerpt":"\u201cIt can be discerned that there has been no embezzlement of funds as every transaction was within the knowledge of petitioners.\u201d","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Claiming Wilful Transaction as Cyber Fraud","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/Claiming-Wilful-Transaction-as-Cyber-Fraud.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/Claiming-Wilful-Transaction-as-Cyber-Fraud.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/Claiming-Wilful-Transaction-as-Cyber-Fraud.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2025\/07\/Claiming-Wilful-Transaction-as-Cyber-Fraud.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":324511,"url":"https:\/\/www.scconline.com\/blog\/post\/2024\/06\/16\/rbi-imposes-penalty-of-1-45-crore-on-central-bank-of-india-legal-news\/","url_meta":{"origin":62401,"position":3},"title":"Reserve Bank of India imposes penalty of 1.45 Crore on Central Bank of India for non-compliance with directions","author":"Editor","date":"June 16, 2024","format":false,"excerpt":"RBI imposed penalty on Central Bank of India for failing to comply with directions for Loans and Advances as well as Customer Protection.","rel":"","context":"In "Legislation Updates"","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"Reserve Bank of India","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/05\/Reserve-Bank-of-India.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/05\/Reserve-Bank-of-India.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/05\/Reserve-Bank-of-India.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/05\/Reserve-Bank-of-India.webp?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":269681,"url":"https:\/\/www.scconline.com\/blog\/post\/2022\/07\/06\/rbi-imposes-rs-1-5crore-penalty-on-kotak-mahindra-bank-ltd-for-deficiency-in-regulatory-compliance\/","url_meta":{"origin":62401,"position":4},"title":"RBI imposes Rs.1.5 crore penalty on Kotak Mahindra Bank Ltd for deficiency in regulatory compliance","author":"Editor","date":"July 6, 2022","format":false,"excerpt":"The Reserve Bank of India (\u2018RBI') has imposed a penalty of Rs. 1.5 crore on Kotak Mahindra Bank Ltd.(\u2018Kotak') for contravening the provisions of the Banking Regulation Act, 1949, the Depositor Education and Awareness Fund Scheme, 2014, and RBI directions. As per the Statutory Inspection for Supervisory Evaluation(\u2018ISE') conducted by\u2026","rel":"","context":"In "Legislation Updates"","block_context":{"text":"Legislation Updates","link":"https:\/\/www.scconline.com\/blog\/post\/category\/legislationupdates\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":336576,"url":"https:\/\/www.scconline.com\/blog\/post\/2024\/12\/04\/delhi-hc-directs-sbi-compensate-loss-2-6-lakhs-incurred-cyber-fraud-victim-upon-detecting-fraud-bank-implied-duty-reasonable-care-prompt-action\/","url_meta":{"origin":62401,"position":5},"title":"\u2018Upon detecting fraud, bank has implied duty to exercise reasonable care and take prompt action\u2019; Delhi HC directs SBI to compensate loss of Rs. 2.6 Lakhs incurred by cyber fraud victim","author":"Editor","date":"December 4, 2024","format":false,"excerpt":"\u2018The Banking Ombudsman overlooked the key aspects of the matter and completely misdirected itself in law.\u2019","rel":"","context":"In "Case Briefs"","block_context":{"text":"Case Briefs","link":"https:\/\/www.scconline.com\/blog\/post\/category\/casebriefs\/"},"img":{"alt_text":"Delhi High Court","src":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/02\/Delhi-High-Court.webp?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/02\/Delhi-High-Court.webp?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/02\/Delhi-High-Court.webp?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/www.scconline.com\/blog\/wp-content\/uploads\/2024\/02\/Delhi-High-Court.webp?resize=700%2C400&ssl=1 2x"},"classes":[]}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/62401","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/comments?post=62401"}],"version-history":[{"count":0,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/posts\/62401\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/media?parent=62401"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/categories?post=62401"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.scconline.com\/blog\/wp-json\/wp\/v2\/tags?post=62401"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}