BREAKING THE SILENCE: ADDRESSING LEGAL UNAWARENESS IN FINANCIAL FRAUD AND MITIGATING JUSTICE THROUGH EDUCATION, POLICY REFORM, AND AI-DRIVEN SOLUTIONS

Devansh Sachdeva, Swati Luthra, Dr. Saumya Sharma

Abstract


Despite signicant advancements in legal frameworks, an immense constituent of the Indian population
remains incognizant of their rights, leading to the silent acceptance of offences and violations. This
research aims to investigate the extent of legal illiteracy as a barrier to justice and explore feasible solutions, including policy
interventions, educational reforms, and AI-powered assistance. The study is a secondary data-based review that examines the
underreporting of nancial and consumer rights related crimes, especially due to lack of adequate legal awareness with
respect to accessing invoking and pursuing correct legal measures and remedies. The research explores evidence from
existing literature which includes bare acts and laws that provide foundational understanding of legal provisions and their
implementation, studies indexed in Scopus and ABDC. The paper also analyses crime reports, regulatory guides, case studies,
government reports available in the public domain and incorporates research conducted nationally to provide a
comprehensive understanding of legalities related to nancial and consumer rights related crimes. Upon reviewing numerous
studies, it was found that 50-70 % of offences/crimes/violations/abuse related to nancial fraud in India remain unreported due
to a lack of legal awareness on behalf of the wronged individuals. Furthermore, signicant underreporting of such offences has
been found in serious transgressions like nancial fraud and consumer rights violations. Key reasons for these challenges
include limited legal education, procedural complexities-such as complex litigation and documentation process, as well as
extended resolution timelines, fear of adverse repercussions, and more. The study portrays evidence-backed insights into
these challenges and propose implementable solutions such as mandatory legal awareness programs and campaigns,
introduction to simplied frameworks for legal reporting as well as harnessing AI tools such as AI-powered legal assistants to
further ensure accessibility to justice. While we aim for a better understanding of the challenges our country is facing, including
the obstacles like lack of awareness, and the lack of standard legal education, our study is constrained by variations in legal
awareness across various parts of the country, and the reliance on self-reported information. The inconsistency in legal
frameworks and the absence of region-specic legal assistance which include the regional laws and grants by the government,
further contribute to the challenge. We will make efforts to mitigate these challenges by reviewing various sources of dataincluding
ofcial reports, academic research, and case studies-and consulting legal experts. Additionally, rst-hand
experiences from affected individuals will be analysed to ensure a holistic perspective on the problem and its potential
solutions.


Keywords


Financial fraud, Consumer Rights, Legal Awareness, Under-Reporting, AI-Powered Legal Assistance

Full Text:

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