#rbi

[zegalba]

Ramonas Behavioral Infection fall/winter 2022

[roonilwazlibimagines]

mastermind - r.b x female!reader x s.b

Blurb: reader is fwb with mean!sirius and wants to get inside his head so goes for his brother Word Count: 5.7k Warnings: there is smut, not good smut, but smut sirius is MEAN and slut shames her and she cheats on him with regulus A/N: i like this but i don't like it but it's finished and i'm not just going to have it sit in my google drive but i also won't ever go back to fix it also if you want one where she cheats on regulus with sirius try this it is one of my favourite things i've written

Masterlist

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Regulus Black was not involved in his brother’s love life. 

And that was a choice. He did not want to know what his brother got up to in his regular life, let alone his love life.

And he had no interest in getting involved. 

He knew his brother wasn’t one to settle down and he knew that his brother probably wasn’t the nicest considering the amount of times he heard girls leave in a huff well into the AM of the night. 

Walburga and Orion were at that age where they were ready to explore and see the world now that both of their boys were out of Hogwarts and had stable jobs, so for the most part, it felt like Regulus and Sirius shared a house. 

Which was great because it was so big and both of them could do their own thing without the other getting in the way, but it also meant that Regulus knew his brother had a new girl almost every week. 

Usually some poor muggle girl that was almost always petrified of the house and not that Regulus was keeping a keen eye on them, but never came back for a second time.  

Except for one. 

She was in Sirius’ year, but her parents were part of the noble society so both Regulus and Sirius had known her since she was a young girl. They were never really in the same circle, but Regulus would be happy to talk to her if he had to. 

He almost did a double take one night when he was downstairs getting a glass of water and she came tiptoeing down the stairs. 

A look of horror struck her face as Regulus brought the glass away from his mouth and said, “Hi,” in a cheerful manner as if this wasn’t weird at all. 

She had her shoes in one hand and a sparkly bag in the other. Her hair was frizzy, her lipstick was smudged and her mascara was running. 

She stood in front of him frozen, trying to pull her short dress down as she repeated the greeting to Regulus. 

Regulus was confused. He knew whoever Sirius got with was usually someone who would make his parents upset if they were ever around to see it happening. But Regulus thought that if his parents found out Sirius was seeing her, they wouldn’t be able to find anything wrong with it. 

“Uhm,” she said, clearing her throat, “how have you been?”Regulus found it humorous that she was trying to make a conversation right now, but Regulus decided to go with it. 

“Great, I haven’t seen you in ages, how’s work?” 

“Great,” she exclaimed, “I love it, I mean I miss Hogwarts but it’s so much fun to be out in the real world don’t you think?” 

Regulus had been ‘out in the real world’ for just over a year now and she had been out for two. They had definitely seen each other since at all the formal events both of their families attended, but they had never had a proper conversation. 

“It is,” Regulus agreed, starting to talk about how nice it was to have freedom before he heard footsteps coming closer to them. 

Both of their heads turned around to Sirius Black, confident in his grey tracksuit pants and bare chest as he rolled his eyes. 

“Shouldn’t you be home by now?” Regulus knew that his brother was never a doting ‘hookup’, but he was taken aback by how he spoke to the girl they had known their whole life. 

“Well if you had just let me apparate in your room I would have been gone by now,” she said through gritted teeth. 

Sirius rolled his eyes as he pushed past her to also get a glass of water. 

“Well,” she said, rolling her eyes straight back at him, “it was nice to talk to you, Regulus.” And with that, she apparated on the spot. 

Sirius knew she had done that just to piss him off. He wasn’t sure why he wouldn’t let her apparate in his room. None of the muggle girls did so why should she? And maybe, a part of him also knew that she would hate walking out trying to stay quiet so Regulus wouldn’t see her, and he wanted to make her do that. 

“So,” Regulus started awkwardly. “She’s not a muggle.” 

Sirius scowled at him. 

“Keep your nose out of it.” 

Regulus shrugged. 

He was happy with that. 

The less he knew about his brother’s love life, the happier he was and he wasn’t going to push it. 

He didn’t say anything else, just finished his water, gave it a quick wash and went back up to his room. 

Their parents were overseas for the next six weeks so it was just the two of them in the big house. 

Regulus had thought about bringing a girl back here. If Sirius could do it, so could he. And there had been few occasions where he had brought a girl back, but Regulus wasn’t into hookup culture at all. 

He couldn’t understand how Sirius brought a different girl back every weekend just to never see them again, but he knew that was what Sirius liked which was why it was so strange when two weeks later he heard her voice again. 

Usually Sirius used the silencing charm for his room, but he must not have been quick enough because when Regulus was going to the bathroom he could hear her yell. 

“You are such an asshole Sirius Black.”

“Then go find someone else,” he heard his brother yell back. “Go on,” he continued. “Don’t think I can’t find another fuck, I’ll get someone here before the time you apparate.” 

Regulus didn’t mean to eavesdrop and if he was being honest, he really didn’t want to hear this conversation, but it was like watching a car crash. He couldn’t find it in himself to turn the other way. 

“And you don’t think I can do the same?”

“I’m sure you can do the same,” Sirius scoffed, “you’ll put out for anything with a pulse.”

“Says you,” she spat back. 

Sirius grumbled something under his breath that Regulus couldn’t make out. Regulus, who was frozen stiff on the spot. How could he move? And how could he ever face her again? Regulus was appalled by the way his brother spoke to the girl they had grown up with, but Regulus couldn’t say he was surprised. 

“You’re the biggest fucking brat I know,” he heard Sirius say. Then he heard a loud whimper. “Always fucking arguing with me, how about we put that mouth to better use.” And then he heard her gasp. 

That was when a wave of sense rushed over Regulus and he walked all the way back to his room. 

He wasn’t sure he would ever be able to look at her the same ever again. That was why he waited until the next morning to leave his room even if he had a strong incline that his brother wasn’t going to let her stay the night. 

The next time he saw her was at a celebration before Christmas. She came in with a boy on her arm that they had gone to school with. He was in Slytherin in her year and Regulus was trying desperately hard to remember his name. 

He wasn’t sure he would be able to say hello to her, but he did, briefly, and then walked the other way. 

He felt bad, but all he could hear was her whimper and the noise she had made when–

He shivered. He was not going to think about it. 

To distract himself from it, he looked around the room, trying to spot who he could go and strike up a conversation with. 

Instead, his eyes landed on his brother and the girl he was just trying not to think of. They were arguing in the corner. At least, he thought they were arguing. Sirius was bent down to her height and their faces were inches apart. Regulus could see the vein prominent on Sirius’ neck from the otherside of the room. 

Knowing his brother, he was probably upset that she had brought someone tonight. It was all too predictable. Especially when he grabbed onto her arm and pulled her out of the room. Regulus' eyes instinctively searched for her boyfriend who was talking to Evan Rosier in the corner. 

Regulus wasn’t sure why, but he kept his eye on him to make sure that he was preoccupied until her and his brother walked back in. Both of their hair a mess and a fresh new layer of lipstick coating her lips. 

There was a part of Regulus that wanted to go over there and talk some sense into them. They were acting immature and she was being unfaithful. 

But Regulus did not want to get involved so he stole a champagne flute from the waiter and sculled it down. 

He wanted to say that he was surprised that night when she came back home with Sirius. Regulus saw them apparate away together and he also saw the wink Srius shot him as if he was in on whatever it was that Sirius was doing. 

But Regulus wasn’t in on it and he didn’t want to be in on it. 

He knew they had some weird relationship going on and he had a weird feeling that she was one of the only girls Sirius Black had brought back to Grimmauld Place more than once. And he knew that she was over at least once a month, but both of them were still seeing other people, and that was all he wanted to know. 

He was already in far too deep anyway. 

This was why he was cursing the universe when she came over on a random Wednesday afternoon and knocked on the door. 

Regulus found it odd that someone was knocking on their door. Their parents were overseas once more and neither Regulus nor Sirius had had any visitors who had knocked while their parents were away. 

But when he opened the door she was standing there in a very short skirt and a very tight top that made Regulus’ body go stiff. 

“Hi,” she said sweetly. 

“Hey,” Regulus said, his voice coming out in a weird way that made him clear his throat. 

“Is Sirius here?” She asked as if she didn’t know the answer. 

Of course she knew the answer. She knew that Sirius worked on Wednesday’s and didn’t come back until 3.30. But she also knew that Regulus had every second Wednesday off which was why she had showed up at exactly three. This had to be timed perfectly. 

“He isn’t.” Regulus said. 

“Oh,” she pouted, “will he be long?” 

“I think he finishes work in about half an hour.” 

“Do you mind if I wait?” 

She knew that Regulus wouldn’t be able to say no. Maybe the eldest Black brother treated her like shit, but she knew Regulus had a bit more respect. 

“Not at all.” He welcomed her in and she smiled as she sheepishly took a step forward. 

It was in their seventh year that Sirius had started to become comfortable as a philanderer. It wasn’t until their last month that she first hooked up with him. 

They were both very drunk at a party in the Ravenclaw common room when Sirius came up to her and said, “You know, I’ve always thought you’d be a good fuck,” like the true gentleman he was. And before she knew it, she was in the bathroom with Sirius’ fingers working skillfully against her spongy walls while she bit into his shoulder, trying not to draw attention to their situation. 

She should have said goodbye to him when he pulled out just before her body was able to let out the release he had been building up. He chuckled and pulled her panties up, giving her clothed slit a tiny pat. 

She was dumbstruck as he held onto her cheeks between his thumb and forefinger. 

“Did you really think I’d let you cum without you even touching me?” He chuckled at the way her mouth rested open, unable to form a response. “Come see me later tonight and maybe I’ll think about it.” 

She blamed the fact that he left her hot and bothered for the reason she followed him into the room of requirement that night. But she wasn’t sure what she was blaming it on when even after Hogwarts, she kept seeing him to do unspeakable things. 

Especially when he treated her so poorly. 

She’d go out with her friends and see Sirius with his and as soon as he saw her there he was going and finding another girl that ended up grinding on him while he was basically groping her all while keeping eye contact with her the entire time. 

But as soon as she was within centimetres of another guy, he’d get jealous and instantly go to slut shaming her. 

He wasn’t sure why he kept going back to her. He thinks it is because he likes that she always fights back. 

He’ll tell her that she’s a slut because apparently it seems like she’ll open her legs for anyone and then that night she’s keeping her legs crossed until Sirius manhandles her and ties them apart so she can’t close them. 

Or she’ll tell him that he’s one to talk when he has a different girl every night and he’ll say that’s so she knows she’s easily replaceable, so she’ll say that she’s never going to have sex with him again, and he’ll laugh because he knows as soon as he tugs on her hair and calls her a brat, she’ll do anything he says. 

So they’ve been on and off like this since then and she knows she should stop, but for some reason there’s just something that keeps calling her back and she knows it is hidden in Sirius’ pants between his legs, but she’ll never admit it. 

But yesterday, they had a big fight. 

And for the most part, it was one of their usual grievances, but for some reason there was something that clicked inside of her. 

She had gone back to his after a night out with their friends and Sirius was mad because she let someone buy her a drink. 

“Well it’s not like you ever buy me a drink.” She spat, the effects of said drink long gone. 

“That’s not the fucking point,” he growed, tugging at his hair. 

“Then what’s the fucking point? It was just a fucking drink.” 

“You were sending signals to him.” 

“Signals?” She screeched. “What, are you twelve? I accepted a drink from him, you're making something out of nothing.”

“Don’t pin this on me, you were basically inviting him to fuck you right there.” They were facing the other, their faces close together as they didn’t even attempt to keep their voice down. 

“Says you,” she basically spat at him, “everytime I see you out you’re groping a random girl.” 

“Aww,” he cooed mockingly, “does that make you jealous?”

“Why would it make me jealous, Sirius?” She taunted. “If you didn’t drag me here I would’ve gone home with the guy who bought me a drink.” 

It was a swift movement that she had gotten used to. Sirius’ hands found her hips and he twisted her around so her back was on his chest and as he moved her he grabbed on to her hair to pull it back so she was looking up at him. 

“You’re a fucking brat.” He growled in her ear. Sirius already knew something was wrong because whenever he did this it usually resulted in a whimper. But this time she didn’t make a noise which was why Sirius loosened his grip enough for her to slip out. 

“Not this time Sirius.” She said, her voice much softer than what it had just been. “You can’t just treat me like this and then expect a fuck.” 

“Fine.” Sirius said, trying not to act like he was humiliated. “Go home and get yourself off with those useless fingers of yours, but don’t come back here expecting me to help.” 

“Don’t worry,” she said, a sly look in her eye, “the guy from the bar gave me his address.”

“Fuck you,” he swore as she made the move to apparate. “You’ll be back here by the end of the week you always pull this shit you-” he was talking very fast in hopes she’d hear his final word, but she had apparated before he got to finish. 

There was always a piece of her dignity that she lost whenever they fought and she’d swear that Sirius was wrong because she was never coming back only to show up two days later ready for a fuck. 

But she wasn’t going to let that happen this time. 

This time, she would be back, but not for Sirius. 

Regulus led the way to the living room and she sat herself on one of the lounges. Regulus copied her. 

There were many things that could go wrong with this plan and all she could really do was hope that the universe would work with her because she needed this to go right. 

Her lips were in a pretty pout as she let a small sigh escape her lips. 

“Are you okay?” Regulus asked, a small worry line etched between his eyebrows. 

“Yeah,” she sighed. 

Regulus was appalled by the question that he followed up with. “Is it Sirius?” He already knew the answer to that one and he did not need any information but the intended ‘yes’ he knew would leave her lips. 

“I don’t want to start anything.” She went with instead, even though she had already done just that. 

“It’s okay,” Regulus said, “I know what he’s like.”

He wasn’t entirely sure why he was having this conversation with her. He had vowed not to get entangled in Sirius’ love life, and here he was, doing just that. 

She turned her body to face him and when her short skirt shifted to expose the tops of her soft thighs, Regulus had a pretty good idea as to why his brain had forgotten everything he had promised himself he wouldn’t do. 

“He’s so mean to me sometimes,” she pouted. Sure, she needed to put on a bit of a show to get her plan to work, but this was the easy part because really, this was no lie. 

Regulus knew that in the short time she had walked in through the door, he was in too deep, and when she looked up at him with her glossy eyes he figured that there was no point trying to get out when he was already so far down. 

“We got into a fight,” she continued. “And he said some really mean things.” 

For some reason, Regulus was hanging on to her every word. 

“I’m sorry.” 

She didn’t acknowledge what he had said. 

“He always says I’d put out for anything with a pulse,” she grumbled, “dickhead.” Maybe he hadn’t said those words exactly during their last fight, but she needed to word this exactly right. “I don’t want to see him anymore, I think I could do better, what do you think Regulus?” She said it quickly and moved her body again to Regulus so this time all he could focus on was the slow rise and fall of her chest that was bare above the thin top she was wearing. 

Regulus cleared his throat, trying to sound as normal as he could, “I think you could do better.” Because he did. He truly thought she could do better. 

“I wish someone would just help me take my mind off him, you know?” 

“Sure.”

“I haven’t been with anyone since I’ve been with Sirius and I know he’s been with other people,” she scoffed, “and there’s just a part of me that wants to get even with him, you know?” 

Regulus didn’t say anything. When he first saw her standing outside Grimmauld Place he had thought that her outfit was for Sirius, but since the time Regulus had spoken last, she had somehow moved closer to him on the lounge and Regulus wasn’t so sure what he knew anymore. 

“I probably sound like an idiot,” she said quickly, “I’m sorry, Regulus, I’m going to blame your brother for the way I’m acting, but-”

“It’s fine.” Regulus said, his hand instinctively going to rest on top of hers. 

She smiled innocently up at him. 

“I know what Sirius is like,” he repeated. There was a small silence as Regulus contemplated what he was going to say next. Regulus wasn’t as busy with girls like his brother was, but Regulus didn’t think he was a complete idiot for thinking that she had come here for him. “If you like,” he paused, “I can help you take your mind off him?”

It took everything in her body not to react to his statement. For a second, she was a little concerned that Regulus wasn’t going to give in to her advances and she’d have to leave looking like a fool. 

“Really?” She hoped Regulus couldn’t hear how loud her heart was beating as she sat up at his question. 

“Sure,” Regulus shrugged. 

For a second she wondered if maybe there was a communication error, because Regulus didn’t make a move and she was so used to Sirius calling all of the shots that she was admittedly lacking in that department. 

She was looking at Regulus expectantly, waiting for him to call the next move, and finally, he leaned in closer to her. 

“I’d treat you much better than Sirius,” he whispered and it was fair to say that the statement shocked both of them. 

She always thought both Black brothers were quite attractive. If it was Regulus who she had become acquainted with that night at Hogwarts she would have done everything the exact same. 

And Regulus couldn’t deny that she was attractive. And maybe there was a reason Regulus didn’t want to get involved in Sirius’ love life considering the one girl he kept going back to was the one that Regulus liked most. 

“Show me, then.” She whispered back and that was all it took before Regulus’ lips were on hers. 

There was a brief flash of guilt that flew through her body when Regulus’ hands moved to rest over her cheeks. 

She knew that neither brother particularly liked the other. She knew that there was some weird, unspoken, competition going on between them at all times. And she knew it was wrong to use Regulus to get into Sirius’ head like he had been getting in hers for as long as she could remember. 

But then Regulus moved one of his hands down to her exposed leg and gave the soft skin a small squeeze. His fingertips were inching upwards and when they rested at the hem of her short skirt he pulled away. 

“Should we go into my room?” She nodded her head and did her best to keep up with his long strides. 

On the way up there she noticed it was a quarter past three, she had done the hard work of her plan, but there was still one more thing she needed to do to ensure her plan went smoothly. 

As soon as they were in Regulus’ bedroom, she shut the door behind them and brought her lips to his again, bringing her hands into his hair and tugging slightly at his loose curls. 

She kissed him with all the fervour she could manage and it paid off because Regulus' hands instantly went to her hips as he took a step back in hopes of finding his bed. 

Perfect.

When the backs of Regulus’ thighs found his bed he sat down and she followed, putting her legs over his so she was straddling him. 

When she pulled away from kissing him to get comfortable, Regulus could see from his peripheral vision that her skirt had ridden considerably high and he was sure he could see a bit of black lace poking out. 

Immediately she went back to kissing him, this time, letting her hands rest at the hem of his shirt, her fingers toying with the thin fabric. 

She didn’t think it was fair to compare how the Black brother’s kissed. Sirius was always fierce and passionate whereas Regulus was a little more gentle with his passion. She reminded herself that she was exactly in the position she needed to be and she didn’t need to force anything, so she let herself copy Regulus’ passion and slowly let herself relax. 

Regulus' hands were resting where the backs of her thighs met her bum and her skirt, doing little to cover her, rested on the back of his hands. 

It was here that Regulus realised he had been lying to himself ever since that first night when he saw her in the kitchen. The weird feeling he kept pushing away was jealousy. 

Now, there was a sick part of him that wished his brother knew what he was doing to the one girl he kept coming back to. 

When he let his hands squeeze around her soft flesh, she let her hands reach under his shirt where her fingertips caused a shiver to run down his spine. 

They were still kissing, more messily than they were before. Regulus risked letting his eyes open and he was glad he did when he saw the look on her face. Her face was relaxed with her eyelids closed, long eyelashes touching the tops of her cheeks. 

Regulus was going to savour every moment. 

“I want to touch you.” Regulus said, his chest rapidly rising and falling. She opened her eyes slowly as she pulled back, took her hands away from Regulus' soft skin, and took her top off. Regulus wasn’t surprised when it was revealed she wasn’t wearing anything underneath, her top was very thin. 

“Then touch me.” 

Regulus’ hands instantly found her breasts, he cupped his palms around them before letting his fingers graze over the top of her nipple. She was looking down at him and he watched as her head tilted slightly back and she let out a small moan. 

Sirius had never taken this much care when touching her. 

He continued his movements, watching the way her eyebrows furrowed ever so slightly in pleasure and the way her lips parted as she tried to catch her breath. Suddenly, she started grinding her hips on his thigh and Regulus was sure he was about to short wire. 

“Regulus,” she moaned, when he let the pad of his finger apply more pressure. Her hands went back to playing with the end of his shirt and he barely heard her mutter out an, “Off,” as she tried tugging it upwards. 

Regulus moved his hands away from her breasts and put them back on her hips, moving in one swift motion so she was on her back on top of his made bed, her head resting on his pillow, while he knelt in front of her. 

He brought his shirt over his head and while his vision was covered for a brief second, she took the chance to look at the clock on his wall. Twenty past three. Perfect. 

Regulus’ hands then found the elastic of his pants and started getting them off. Her skirt had flipped up due to Regulus’ movement and now, with his clothes completely off, he wanted hers off too. 

His attention went back to her breasts, but this time he brought his mouth down, letting his tongue swirl around her nipple. 

She moaned, her back arching ever so slightly into his touch as her hands went out to hold onto whatever she could find, which was fortunately, Regulus’ hair. 

Regulus hummed against her skin, pulling back slightly to press soft kisses against her skin as he made his way down her abdomen. 

When he finally got to her skirt, he played with the waistband of it and she watched him think about what to do next. 

He let it snap back down against her skin before he hummed and said, “I think we should leave this on, don’t you?” 

“Well I did wear it for you.” 

Regulus liked that answer. He flipped the fabric completely up, but this time didn’t even wait a second before he was getting rid of the black lace panties she was also wearing. 

“Did you wear these for me too?” He teased, a small smirk forming on his face. 

She squinted her eyes playfully at him. “Of course.” 

“Good,” he said quickly, before lowering himself down to press a soft kiss down onto the skin above her hip bone, before slowly making his way down. 

She wiggled her hips underneath him, whining as he got closer to her core, but refused to go where she needed him. 

“Don’t tease,” she whined, making Regulus chuckle. 

He brought his thumb down to her clit and she moaned at the touch. 

“Regulus,” she moaned, “more.” 

“You’re very impatient.” Regulus tsked, but he let his thumb draw a few more lazy circles before finally letting his finger inside her entrance. 

She clenched around him making them both let out noises of delight. 

He teased her a bit with a few gentle strokes before he added another finger and started to pick up the pace. 

“Fuck, Regulus,” she moaned, her hips arching up to her touch. Using his other hand, Regulus grabbed onto her thigh so it was resting on top of his shoulder. 

And Regulus was certain this was a much better angle because all of a sudden her eyes widened and she was struggling to form the word that was on her lips. 

“Is that good, darling?” Regulus teased, not confident in her ability to answer him. 

She nodded, small noises escaping her lips as Regulus continued to reach the spot that Sirius usually avoided. 

It was hard to think with the way Regulus’ fingers were moving inside of her. He kept a steady pace and he had moved his other hand down onto her hip to stop her from wriggling. But she still managed to sneak a glance at the clock.

It was finally three thirty. 

“Regulus,” she moaned out, her voice a bit more breathy than she would have liked. “I want you in me.” Her voice went up at the end of her request and Regulus let out a low chuckle as he got in a few more strokes before he pulled his hand out. 

She kept her leg resting on his shoulder and she knew that she was close to release, but she hoped Regulus was too. 

He was hard and she couldn’t help but stare as he leant over to reach for the square packet in his drawer and fumble to get it open. Thankfully, it didn’t take long for him to position himself at her entrance. 

She was getting impatient. 

“Don’t tease,” she whined, her voice a little more shrill than she would have liked. 

“Merline,” he grunted, finally giving her what she wanted, “you’re bossy.”

But she didn’t care, she let out a loud moan, louder than what she had been this whole time, but Regulus found his pace and he didn’t seem to mind. 

She brought her hand down to rub at her clit. She knew it was messy and rushed, but it was already past three thirty now and she needed to hurry up. 

But Regulus already knew where the spot that brought stars to her eyes was and she was glad that Regulus understood the urgency of the situation because he was not holding back. 

“Fuck,” she screamed, “Regulus.” She thought she should be paid for the noises she was making. There was a brief flash of embarrassment that crossed her mind at how lewd she was being, but she had come this far and she wasn’t backing down now. 

“Fuck, fuck fuck,” she chanted when Regulus fingers found her nipples, giving them the same attention he had done previously. “Regulus!” She screamed, when the tight knot that had been tied in her tummy quickly started to unwrap. 

Regulus’ hips were moving faster and she didn’t really have to force the scream that left her throat as her body tightened in pleasure. Her hands went out to grip the sheets and she was slightly aware of Regulus slowing down and grunting out her name before removing himself from her. 

Over their heavy breathing she could hear footsteps outside and had to stop herself from smiling. She had done it. 

The weight of what they had done seemed to settle over them as Regulus laid down beside her in silence. It was heavy, but she didn’t mind. It was heavy, but Regulus thought he would have been able to carry it. 

When their breathing slowed down she turned to Regulus. 

“Thank you, that really helped.” She leant over to press a kiss to his cheek and then stood up and got dressed. 

Regulus laid there in silence. 

He could hear her feet scuffling around as she organised herself quickly and he heard her say thanks again before his door opened and closed and Regulus was reminded why he wasn’t in to hookup culture. 

As she walked through the corridor she saw a familiar figure leaning against his bedroom door. 

They stood in front of the other, Sirius, with his arms folded over his chest and a scowl etched on his face, and her, a sheepish grin ghosting her lips. 

“I told you you’d put out for anyone with a pulse, how dare you bring my brother into this.” 

She shrugged her shoulders innocently. 

“He was the one who offered.” She sent him an innocent smile before making her way down the stairs. She could feel her heart in her throat and she hoped she’d be able to make it down without falling. 

She could feel Sirius’ eyes on her and it made her feel powerful. She had somehow gotten away with it and it felt good to leave behind the wreckage with her head still held high. 

[dinosaurwithablog]

Soto + Volpe = RBI!!!!! LET'S GO YANKEES!!!!

[merapunjab84]

Digital currency

 (WHAT IS DIGITAL CURRENCY?)_

R.B.I ਪੱਕੇ ਤੌਰ 'ਤੇ ਡਿਜੀਟਲ ਕਰੰਸੀ ਲਾਂਚ ਕਰਨ ਜਾ ਰਿਹਾ ਹੈ। ਹੁਣ ਕਿਸੇ ਨੂੰ ਵੀ ਆਪਣੀ ਜੇਬ 'ਚ ਨੋਟ ਨਹੀਂ ਰੱਖਣੇ ਪੈਣਗੇ ਅਤੇ ਨਾ ਹੀ ਕਿਸੇ ਨੂੰ ਪੈਸੇ ਦੀ ਲੁੱਟ ਦਾ ਡਰ ਹੋਵੇਗਾ। ਤੁਸੀਂ ਸੋਚ ਰਹੇ ਹੋਵੋਗੇ ਕਿ ਇਹ ਕਿੰਨਾ ਚੰਗਾ ਹੋਵੇਗਾ ਪਰ ਰੁਕੋ ਜੇਕਰ ਮੈਂ ਤੁਹਾਨੂੰ ਕਹਾਂ ਕਿ ਇਹ ਸਾਨੂੰ ਪੂਰਣ ਗੁਲਾਮ ਬਣਾਉਣ ਲਈ ਪਹਿਲਾ ਕਦਮ ਹੋਵੇਗਾ। ਅਸਲ ਵਿੱਚ ਇਹ ਏਜੰਡਾ 2030 ਦਾ ਹਿੱਸਾ ਹੈ, ਜਿਸ ਨੂੰ ਸਾਰੇ ਦੇਸ਼ਾਂ ਦੇ ਬੈਂਕਾਂ ਦੁਆਰਾ ਪੂਰਾ ਕੀਤਾ ਜਾ ਰਿਹਾ ਹੈ। ਏਜੰਡਾ 2030 ਦੇ ਅਨੁਸਾਰ ਸਾਰੀ ਦੁਨੀਆ ਕੈਸ਼ਲੈੱਸ ਹੋਵੇਗੀ। ਕਿਸੇ ਕੋਲ ਕਾਗਜ਼ੀ ਨੋਟ ਨਹੀਂ ਹੋਣਗੇ। ਪੂਰੀ ਦੁਨੀਆ ਪੂਰੀ ਤਰ੍ਹਾਂ ਡਿਜੀਟਲ ਮੁਦਰਾ 'ਤੇ ਨਿਰਭਰ ਕਰੇਗੀ। ਤੁਸੀਂ ਸੋਚ ਰਹੇ ਹੋਵੋਗੇ ਕਿ ਇਹ ਚੰਗਾ ਹੈ, ਸਮੱਸਿਆ ਕਿੱਥੇ ਹੈ, ਪਰ ਆਉਣ ਵਾਲੇ ਸਾਲਾਂ ਵਿੱਚ ਡਿਜੀਟਲ ਪੈਸਾ ਸਿਰਫ ਸੀਮਤ ਵਰਤੋਂ ਲਈ ਹੋਵੇਗਾ ਜਿਵੇਂ ਕਿ ਇਸ ਡਿਜੀਟਲ ਮੁਦਰਾ ਦੀ ਵਰਤੋਂ ਕਰਨ ਲਈ ਇੱਕ ਸਮਾਂ ਸੀਮਾ ( expiry date ) ਹੋਵੇਗੀ ਜਿਵੇਂ ਕਿ 2030 ਤੱਕ ਪੂਰੇ ਮਨੁੱਖੀ ਸਮਾਜ ਨੂੰ ਡਿਜੀਟਲ ਕਰੰਸੀ ਨਾਲ ਕਵਰ ਕੀਤਾ ਜਾਵੇਗਾ। ਇੱਕ ਵਿਅਕਤੀ ਖਾਤੇ ਵਿੱਚ ਸਿਰਫ ਕੁਝ ਸੀਮਤ ਰਕਮ ਰੱਖੇਗਾ, ਜਿਵੇਂ ਕਿ ਵਿਸ਼ਵ ਸਰਕਾਰ ਐਲਾਨ ਕਰੇਗੀ ਕਿ ਸਾਰੇ ਮਨੁੱਖ ਆਪਣੇ ਖਾਤਿਆਂ ਵਿੱਚ ਸਿਰਫ 30 ਲੱਖ ਡਿਜੀਟਲ ਪੈਸੇ ਰੱਖ ਸਕਦੇ ਹਨ ਪਰ ਇਸ ਤੋਂ ਵੱਧ ਨਹੀਂ। ਅਤੇ ਇਹ ਕੁਝ ਸਮੇਂ ਬਾਅਦ ਖਤਮ ਹੋ ਜਾਵੇਗਾ। ਹਰੇਕ ਡਿਜੀਟਲ ਮੁਦਰਾ ਦੀ ਆਪਣੀ ਮਿਆਦ ਪੁੱਗਣ ਦੀ ਮਿਤੀ ਹੋਵੇਗੀ। ਏਜੰਡਾ 2030 ਦੇ ਅਨੁਸਾਰ ਸਾਨੂੰ ਹਰ ਕੰਮ ਡਿਜੀਟਲ ਕਰੰਸੀ ਨਾਲ ਕਰਨਾ ਹੋਵੇਗਾ। ਅਤੇ ਪੂਰੀ ਦੁਨੀਆ ਵਿੱਚ ਇੱਕ ਮੁਦਰਾ ਹੋਵੇਗੀ |ਇੱਥੇ ਕਾਗਜ਼ੀ ਪੈਸੇ ਲਈ ਕੋਈ ਥਾਂ ਨਹੀਂ ਹੋਵੇਗੀ। ਵਿਸ਼ਵ ਸਰਕਾਰ ਦੇ ਹੁਕਮਾਂ ਅਨੁਸਾਰ, ਹਰ ਮਨੁੱਖ ਦੀਆਂ ਬਾਹਾਂ 'ਤੇ ਸਕੈਨਿੰਗ ਕੋਡ ਹੋਵੇਗਾ ਤੇ ਤੁਹਾਡੀ ਹੱਥ ਵਿੱਚ RFID ਚਿੱਪ ਸਥਾਪਤ ਕੀਤੀ ਜਾਵੇਗੀ ਜੋ ਇਸ ਸਕੈਨਿੰਗ ਕੋਡ ਨੂੰ ਚਲਾਏਗੀ ਜਿਸ ਵਿੱਚ ਸਾਡੀ ਸਾਰੀ ਕਰੰਸੀ ਹੋਵੇਗੀ। ਬੈਂਕਾਂ ਦਾ ਕੰਮ ਖਤਮ ਹੋ ਜਾਵੇਗਾ। ਅਤੇ ਇਹ ਸਕੈਨਿੰਗ ਕੋਡ 666 ਨੰਬਰ ਨਾਲ ਮਾਰਕ ਹੋਵੇਗਾ, ਜੋ ਕਿ ਸ਼ੈਤਾਨ ਦਾ ਨੰਬਰ ਹੈ। ਇਸ ਲਈ ਜਦੋਂ ਅਸੀਂ ਕੁਝ ਖਰੀਦਦਾਰੀ ਕਰਨ ਲਈ ਬਾਹਰ ਜਾਵਾਂਗੇ ਤਾਂ ਸਾਨੂੰ ਚੀਜ਼ਾਂ ਖਰੀਦਣ ਲਈ ਆਪਣਾ ਕੋਡ ਸਕੈਨ ਕਰਵਾਉਣ ਪਵੇਗਾ, ਫਿਰ ਅਸੀਂ ਕੁਝ ਵੀ ਖਰੀਦਣ ਜਾਂ ਵੇਚਣ ਦੇ ਯੋਗ ਹੋਵਾਂਗੇ। ਹਰ ਕਿਸੇ ਨੂੰ ਆਪਣੇ ਖਾਤਿਆਂ ਵਿੱਚ ਸਿਰਫ਼ ਸੀਮਤ ਪੈਸੇ ਹੀ ਰੱਖਣੇ ਹੋਣਗੇ, ਜੋ ਕਿ ਡਿਜੀਟਲ ਕਰੰਸੀ ਵਿੱਚ ਹੋਣਗੇ। google pay, Paytm, phone pay ਇਹ ਸਾਰੀਆਂ ਔਨਲਾਈਨ ਟ੍ਰਾਂਜੈਕਸ਼ਨ ਐਪਸ 2030 ਦੇ ਏਜੰਡੇ ਨੂੰ ਪੂਰਾ ਕਰਨ ਲਈ ਸ਼ੁਰੂ ਕੀਤੀਆਂ ਗਈਆਂ ਹਨ, ਜਿਸ ਨਾਲ ਲੋਕ ਡਿਜੀਟਲ ਮੁਦਰਾ ਦੀ ਵਰਤੋਂ ਕਰਨ ਲਈ ਪ੍ਰੇਰਿਤ ਹੁੰਦੇ ਹਨ। ਸਾਡੀ ਸਾਰੀ ਜਾਇਦਾਦ ਅਤੇ ਪੈਸਾ ਪੂਰੀ ਤਰ੍ਹਾਂ ਵਿਸ਼ਵ ਸਰਕਾਰ ਦੇ ਨਿਯੰਤਰਣ ਵਿੱਚ ਹੋਵੇਗਾ, ਸਾਡੇ ਕੋਲ ਆਪਣਾ ਕੁਝ ਨਹੀਂ ਹੋਵੇਗਾ। ਇਸ ਲਈ ਕਿਰਪਾ ਕਰਕੇ ਔਨਲਾਈਨ ਟ੍ਰਾਂਜੈਕਸ਼ਨ ਐਪਸ ਦੀ ਵਰਤੋਂ ਕਰਨ ਤੋਂ ਬਚੋ। ਇਹ ਸਾਨੂੰ ਗੁਲਾਮ ਬਣਾਉਣ ਦੀ ਯੋਜਨਾ ਹੈ। ਹੁਣ R.B.। ਡਿਜੀਟਲ ਮੁਦਰਾ ਲਿਆਉਣ ਲਈ ਕੁਝ ਭਾਰਤੀ ਬੈਂਕਾਂ ਨਾਲ ਗੱਲ ਕਰ ਰਿਹਾ ਹੈ .. ਬੈਂਕ ਦੇ ਨਾਮ ਹਨ SBI, BoB, HDFC, ICICI KOTAK, IDFC ਅਤੇ HSBC। ਇਹ ਡਿਜੀਟਲ ਕਰੰਸੀ ਦੋ ਤਰ੍ਹਾਂ ਦੀ ਹੋਵੇਗੀ ਪਹਿਲੀ CBDC ਹੋਲਸੇਲ ਅਤੇ ਦੂਜੀ CBDC ਰਿਟੇਲ। ਆਉਣ ਵਾਲੇ ਕੁਛ ਸਾਲਾਂ ਵਿੱਚ ਦੁਨੀਆਂ ਕੈਸ਼ ਲੈਸ ਹੋਣ ਜਾ ਰਹੀ ਹੈ। ਸਾਰਾ ਡਿਜੀਟਲ ਪੈਸਾ ਵਿਸ਼ਵ ਸਰਕਾਰ ਦੇ ਅਧੀਨ ਹੋਵੇਗਾ। ਹਰ ਲੈਣ ਦੇਣ 666 ਕੋਡ ਦੀ ਸਕੈਨਿੰਗ ਨਾਲ ਕੰਮ ਕਰੇਗਾ ਇਹੀ ਓਹੀ ਚਿੱਪ ਹੋਊਗੀ ਜੌ ਤੁਹਾਡੇ ਹੱਥ ਵਿਚ ਲਾਈ ਜਾਊਗੀ। ਸਾਨੂੰ ਖੁਲ ਕੇ ਜੀਣਾ ਭੁੱਲਣਾ ਪਵੇਗਾ ਇਸ ਲਈ ਕਿਰਪਾ ਕਰਕੇ ਜਾਗੋ। ਸੱਪ ਸਿਰਫ ਮੇਰੇ ਬਿਸਤਰੇ ਦੇ ਹੇਠਾਂ ਨਹੀਂ ਹੈ, ਸੱਪ ਤੁਹਾਡੇ ਵੀ ਬਿਸਤਰੇ ਦੇ ਹੇਠਾਂ ਹੈ। ਮੇਰੇ ਤੇ ਵਿਸ਼ਵਾਸ ਕਰੋ ਇਹ ਅਸਲ ਵਿਚ ਵਾਪਰਨ ਜਾ ਰਿਹਾ ਹੈ।

Merapunjab84

#rbi #punjab #india

[nbfc-advisory]

Payment Aggregator Licensing in India

As updated by the RBI in March 2020, its released framework regarding payment aggregators' and further continuation compliance stated the payment gateways now need to obtain a license and certification from PCI DSS to keep their merchant transactions as it is and smooth going.

Learn More: NBFC Advisory

[businessapac]

As the world’s fifth-largest economy, the banking industry in India plays a crucial role in the country’s economy. With over 100 commercial and cooperative banks, microfinance institutions, and non-banking financial companies, there are abundant options when it comes to managing your money.

[the-football-chick]

MLB League Leaders for 2023

IG: mlb

[cbnews]

#UPI123Pay : बिना इंटरनेट के भी कर सकते हैं यूपीआई पेमेंट, जानें आसान प्रोसेस बिना #Internet के काम करता है UPI 123Pay भारत के करीब 40 करोड़ फीचर फोन यूजर्स को डिजिटल पेमेंट सिस्टम में लाने के लिए भारतीय रिजर्व बैंक ( #RBI ) ने हाल ही में यूपीआई का नया वर्जन #UPI #123Pay का पेश किया है. UPI 123Pay से अब वैसे यूजर भी यूपीआई ट्रांजैक्शन कर पाएंगे, जिनके पास इंटरनेट वाला स्मार्टफोन नहीं है. आरबीआई के मुताबिक फीचर फोन यूजर्स 4 तकनीकी विकल्पों की सहायता से ट्रांजैक्शन कर सकेंगे. 1. इंटरेक्टिव वॉयस रिस्पॉन्स (Interactive Voice Response- #IVR)- अपने फोन पर आईवीआर नंबर 080 4516 3666 / 6366 200 200 / 080 4516 3581 डायल करें और निर्देशों का पालन करें और यूपीआई पिन के जरिए पेमेंट को पूरा करें. 2. ऐप बेस्ड पेमेंट ( App-Based Functionality) 3. मिस्ड कॉल ( #MissedCall) 4. प्रॉक्सिमिटी साउंड बेस्ड पेमेंट (Proximity Sound-Based Payments) बिना इंटरनेट के USSD से भी हो सकता है UPI पेमेंट, बस याद रखें *99# UPI 123Pay के अलावा बिना इंटरनेट के पेमेंट करने का एक और तरीका है. आपको #USSD सर्विस का इस्तेमाल करना होगा. इसके लिए सबसे पहले आपको अपने #GSM स्मार्टफोन पर ‘*99#’ मिलाना होगा और निर्देशों का पालन करना होगा. हालांकि सभी मोबाइल सर्विस ऑपरेटर इस सर्विस को सपोर्ट नहीं करते. #CBnews #Chandrakant_cb #TrendingNews #BaghelNews #ViralNews #BreakingNews #News #LatestNews #TodayNews #HindiNews #Status #Stories #ShareChatTrendingNews #Viral #Trending #WithoutInternetPayment #WithoutInternetMoneyTransfer #UpiPayment You can follow on social media 👇🏻 SC https://sharechat.com/profile/chandrakant_cb?d=n IG - https://www.instagram.com/Chandrakant_cb/ TW - https://twitter.com/Chandrakant_cb1?t=LMJ-0GLKb7pLagjXwkHslQ&s=09 FB - https://www.facebook.com/chandrakantbaghelgwalior/ (at Chandra kant Baghel) https://www.instagram.com/p/ClOg6tjoelM/?igshid=NGJjMDIxMWI=

[kotakblog]

India turns a corner in July

Kotak Editorial Team

The disappointing economic data and corporate performance from US, the world’s largest economy had a negative sentiment globally across equity markets, but India stood strong with the board Nifty 50 index gaining close to 8.6% in July.

Why did this happen? How come India has performed well compared to its global peers or has India decoupled from its global counterparts?

There are three possible reasons for India to perform better than its peers.

Continue reading...

[indizombie]

If foreign investors pull out of Indian equities, Indian currency depreciates, leading to a sharp decline in equity markets. Foreign investors have already pulled out over ₹6,400 crore from the Indian equity markets in the first four trading sessions of May when the Reserve Bank of India (RBI) and US Federal Reserve raised interest rates. Given the headwinds in terms of elevated crude oil prices, inflation, and monetary tightening (also known as Quantitative Tightening), market volatility is expected to remain high as foreign investors could continue to withdraw funds.

‘SIMPLY PUT: Why Is The Rupee Falling And How It Affects Your Food, Education, Healthcare And Other Expenses’, Business Insider India

[roonilwazlibimagines]

pay me back - r.b x female!reader

Blurb: regulus pays for all of their dates, a bit of sugar daddy!regulus and lots of dad!regulus Word Count: 3.6k Warnings: a bit of suggested smut but no smut and they both want an old fashioned traditional nuclear family life, also sickly fluffy and not proof read A/N: i haven't had inspiration for months and i'm actually happy with this :)))

Masterlist

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“One day you’ll pay me back.” 

That was what he always said and it always got a huff and an eye roll out of the pretty girl sitting in front of him. 

“Well I hope that day is coming up soon.” 

“Me too.” 

~~~

“I’ll get it.” 

They were only sixteen and it was their first date at Madam Puddifoot's. 

“No, don’t be silly.” They were in front of the counter and she was desperately trying to get the right change out of her purse before Regulus could give his coins to the staff. 

But he had already organised them beforehand, his mother had raised him to be a gentleman and he was not letting the girl he had been crushing on since their second year pay. 

He politely thanked the worker and watched her huff and put the coins back in her purse so she could follow him outside. 

“I really appreciate it Regulus, but you didn’t have to.” 

It was snowing so she put her beanie back on and wrapped her scarf tightly around her neck. 

“I wanted to.” 

“Well is there something else I can buy for you? Something from Honeydukes or-”

“Don’t worry about it.”

They were trudging along in the snow, not too sure of the destination but not worried about it considering they were with the other. 

“Well I’ll pay next time.” 

With his hands buried in his jacket’s pockets he turned to her, a bright smile taking up his face. 

“So there’s going to be a next time?” 

She turned away from him and looked at the ground. 

“I mean, I have to make it up to you somehow,” she shrugged as if it wasn’t a big deal.

He let out a small chuckle and replied, “I can’t wait.” 

But then their next Hogsmeade trip came around and this time they went to the Three Broomsticks. 

But before the left, Regulus beat her to the counter once again and paid for their meal. 

“Regulus,” she whined. He mimicked her tone back. “I said I was going to pay.” 

“Guess you’ll just have to go on another date with me and pay for that one.” 

“Deal.” 

They were out of Hogwarts now and there hadn’t been one date that she had paid for. And Regulus never let her repay him. 

“Just pay for the next one.” 

She’d scoff at his words. 

“Yeah, that’s likely.” 

“Don’t pay me back now, I promise you can pay for the next one.”

Regulus had never broken a promise he had made to her, but the promise of letting her pay was one that was never met. 

He’d pretend to go to the bathroom and pay before she even thought about the bill or he’d already have given the restaurant his credit card before she even arrived. He would do anything, but let her pay for the date. 

“My mother would kill me if she found out I let you pay for a date,” he admitted one night. They were eighteen and Regulus had invited her back to Black manor after their meal. He was sitting on the edge of his bed and she had manoeuvred her way in between his legs. 

“Well I’m going to kill you if you don’t let me pay for a date,” she whined. Regulus wrapped his arms around her waist and brought her closer to him, burying his face in her abdomen while she played with the tops of his hair. 

“Well you better figure out how to hide the body, darling.” 

It was shortly after that he started responding with. 

“One day you’ll pay me back.”

“What the fuck does that even mean Regulus?” She had replied, faux annoyed by his vague response.

They were out of the restaurant now, ready to go back to hers for a little while before they called it a night. 

“You’ll find out.” 

She scoffed, but still gave his hand a squeeze before they left the restaurant. 

Regulus wasn’t sure how to explain it to her. He had been vulnerable with her like he’d been with no one else, but there was a small desire that he held that he didn’t wish to share with her. It was too personal. It had been a part of him since he was a child and he’d go as far as to say that it had become a part of his soul and he knew one day he would be ready to share it with her, but right now just wasn’t the time. 

Regulus wasn’t sure how this desire came to be. He thought it came back to his parents. Every Monday his father would come home with flowers for his mother and each time his mother blushed and giggled as if this was the first time he had ever bought her flowers. 

Some days, his father would come home with a shiny new piece of jewellery and he’d watch his father put it on his gushing mother and press a soft kiss to whatever skin was free next to the new diamonds adorning her body. 

As he got older he realised that his mother had little to stress about. Sure, she dealt with him and Sirius and that was no easy task, but it was his father who stayed up late in his office dealing with some bill or some renovation that needed to be fixed. His mother lived a life of leisure and whenever he and Sirius prevented her from living that life, his father would save her with a massage or a weekend away or s shopping spree or whatever it was her heart desired. 

And their marriage was filled with nothing but love, respect, and joy and Regulus realised that was what he wanted. 

Sure, it was a little old fashioned and if he found someone he loved who didn’t want to live a life like that, he’d easily compromise, but he wanted what his parents had. 

He wanted a big house for his lovely wife and his two children (a boy and a girl, but he knew he couldn’t pick that) and he wanted to come home from work with her favourite flowers and watch her hum as she organised them in a vase. He wanted every single one of her desires to come to fruition no matter how small or how frivolous. He wanted to come home and cook for her and surprise her with her favourite cake that he had stopped for on the way home and he never wanted her to worry about a single thing. 

When he was sixteen and had taken her to Madam Puddifoots, he could already imagine that life with her. Sure, he was getting a little ahead of himself, but that was what he wanted. 

When he had written home to his parents about his new girlfriend they had sent him a few extra galleons ‘for your next date xx’ they had written. 

“I hope you haven’t made her pay.” Was the first thing his parents said when he got back home and told them all about it.

And then as they got older and he got a job and he started gaining access to is Black inheritance, he started spoiling her in different ways. 

He liked to mix it up. As soon as he learnt her favourite flowers it seemed her room was always filled with a fresh bunch. Sometimes when they went out and he saw her stare at a skirt too long, only to walk away once she looked at the tag, she’d find said skirt in a sparkly bag at their next date. One time, he surprised her with a day trip to Paris where they went to a small bakery where she found her new favourite dessert. A month later Regulus showed up with that exact pastry and a bunch of her favourite flowers. 

“How did you get this?” She asked, already stuffing a bite into her mouth. Her mother would have had a heart attack at the action and the icing sugar that coated her upper lip. 

“I went to Paris to get it.” He admitted sheepishly. 

“You what?” She practically screeched, bringing the pastry down to stare at him. “Regulus,” she whined. 

“It was nothing.”

“You’re always spoiling me with things, I want to spoil you back.”

“One day you’ll pay me back.”  She scoffed and rolled her eyes, using the back of her hand to wipe the icing sugar from her mouth. 

“Whatever that means.” 

It was no question that the Black’s were a little richer than her family and it made her feel insecure that Regulus was always buying things for her. She had a job, just like Regulus and she could afford these things, so one day when she was shopping and she saw a simple ring that reminded her of Regulus, she bought it. 

“Darling,” Regulus didn’t sound as happy as she’d hoped, “I really appreciate this, but I don’t want you feeling like you have to buy things for me.” 

“Well now you know how I feel,” she fought back. 

“It’s different,” he argued.” 

“What, because I’m poorer than you?” She folded her arms around her chest and gave him a challenging look. Regulus gave her a look back. She knew that wasn’t what he meant. 

“Darling,” his voice had a warning tone to it and she sighed, taking a step closer to him and taking his hands in hers. 

“You spoil me so much, I just want to pay you back.”

“One day you’ll pay me back.” She scoffed and rolled her eyes. 

“Will I ever find out when that day is?”

“I hope so.” He leant down to press a kiss to her head and the conversation was finished. 

It wasn’t until they were twenty and engaged that she was provided some insight into what Regulus’ words meant. 

They were out for dinner for Walburga’s birthday and after their very fancy dinner they had gone to get ice-cream, per the birthday girl’s request. 

They went back outside to enjoy their cones when all of a sudden, her ice cream had fallen out of her cone. 

“Oh no,” she whined, pouting at the splatter right in front of her feet. 

“Oh darling,” Walburga said, “what happened.”

“I don’t know,” she shrugged, genuinely not knowing how it happened. 

“We’ll go get you another one,” Walburga offered as she stepped over the mess and made her way to Regulus.

“It’s fine,” she shrugged already grabbing a hold of Regulus’ to take a bite out of it. 

“Nonsense,” Walburga scoffed, “Regulus,” her tone suddenly got tighter, “go get her another one.” 

She barely had time to blink before Regulus was handing her his ice cream so he could go inside and get her another one. 

“No, it’s fine, really.” She tried to hold onto Regulus so he wouldn’t go, she didn’t want to make this a big deal, it was truly fine. 

“Don’t worry,” Regulus said, getting out of her grasp, “besides, I don’t want you to steal mine.” 

She rolled her eyes at him. 

“Fine,” she huffed, “I’ll go get it.” She stood up, going to pass the ice cream back to Regulus, but he had already walked back in. 

She was about to follow him, ready to have their usual petty disagreement about who was paying, but Walburga gently grabbed onto her wrist. 

“Let him pay for it. Birthday girl’s request.” 

She couldn’t fight with that logic. 

“He spoils me too much,” she admitted. 

“He should spoil you more.” 

She giggled at Walburga’s words. 

“I don’t think I’ve paid for a single thing in our relationship,” she admitted sheepishly. 

“Good,” Walburga responded, “I hope you never do.” 

“But I want to spoil him like he spoils me.” 

“I think, one day you will pay him back. Soon, hopefully.” 

She was taken aback by the words and the little wink Walberga sent her way. That was something her son had been telling her for years now. 

Thankfully, she didn't have to think of something to reply because Regulus was back with her ice cream in hand, passing it to her with a “Here you go darling,” and a small kiss to her forehead. 

It was that night when she was alone in her own room that the words started playing around in her mind. She went back to a conversation they had had before Regulus had even proposed to her. 

“Do you want kids?” She had asked. 

They were laying outside on a picnic blanket, watching the stars. She was cuddled into his side and he had an arm wrapped around her shoulders. 

“Yes,” he responded, barely letting a breath pass before he answered. 

“How many?”

“However many you want.” He turned to face her and brought his face an inch closer so the tips of his nose were touching. 

“Good answer,” she whispered. They were so close she could almost feel him smile. “But if you had a choice, how many kids?” This time, he debated answering before he opened his mouth. 

“Two,” he said finally. 

“What if I don’t want any kids?” She did. She had dreamt of having a family since she was a little girl. Sure, it was a little old fashioned and not the most aspirational goal a young girl could have, but that was what she wanted. 

Regulus pulled back slightly so he could read her face. 

“Do you want kids?” 

“Yes,” she whispered and he nodded. 

“Good.” 

He went back so their noses were slightly smooshed together. 

“I’ve always wanted kids,” she admitted. 

“Me too.” Regulus shifted so he was on his back and she rested her head on his chest. 

“I can’t wait ‘til we have kids,” she admitted. When Regulus didn’t respond straight away she continued. “Do you think I will have paid you back by then?” She teased, referring to the statement Regulus had said less than two hours ago when he had showed up with her favourite flowers. 

“Yeah,” Regulus sighed happily, “you will have.”

Once they got married Regulus didn’t know how to say that if she didn’t want to work, she didn’t have to because if he had his way, she’d never have to work another day in her life, but he wasn’t entirely sure that was what she wanted and he didn’t want her to feel pressured to do something she didn’t want to do. If she wanted to work she could work, whatever made her happy made Regulus happy. He just wanted her to know she had the option. 

But they were young and a week after their honeymoon, they were dealing with a positive pregnancy test. 

“Who is even going to look after the baby?” She exclaimed. Regulus was sitting on the edge of the bathtub and she was sitting on his lap. Sure, this was something they had talked about and had both wanted, but it was still a shock. 

“You know,” Regulus started, he didn’t even know how to start this conversation, but now was a better time than ever, “if you hate this option that’s fine, I just want what will make you happy but I just need you to know the options there.” He spoke fast enough that she had stopped freaking out to make sure she didn't miss what he said. “But I make enough to support us both, if you don't want to work, you don’t have to.” 

She was silent for a moment so Regulus started rambling again. 

“Like I said, I know you enjoy your job and I don’t want you to quit, but work is still work you know and I don’t want you to feel like-”

“Regulus,” she cut him off. 

“Yeah.”

“It’s fine.” 

“Okay.”

They sat in silence. 

“Then I’ll never be able to pay you back.”

“One day you’ll pay me back.” She scoffed at him and rolled her eyes. 

“Seriously?” 

“Trust me, I think that day is coming soon.” 

So she quit her job and became Regulus’ trophy wife.

“Don’t say that,” he scolded her the first time she said it to him. She was giggling playing with the chain of the new necklace he had bought her. 

“I’m only kidding,” she reassured him, pulling him in to press a kiss to his lips. 

“I think I’m more like your sugar baby.” 

She pulled him in for another kiss before he could groan. 

But as soon as she had the baby “One day you’ll pay me back.” quickly turned into “You’re already paying me back.” 

This time she laughed. 

“What the fuck is that meant to mean?” She may have been near her mid-twenties, but she still felt like the same young teenager who had asked something similar the first time Regulus had responded in such a vague way. 

“Nothing for you to worry your pretty little mind about.” He pressed a kiss to the top of her head and she giggled. 

“Whatever you say.” 

At the birth of their second child when she was lying in a bed in St Mungo’s in the early A.M of the morning, holding their newborn baby in her arms Regulus whispered her name. Their eldest, now almost three, had their arms wrapped around Regulus' neck, their head buried in his chest as their light breathing reached his ear. 

Regulus wasn’t going to be able to make it to work tomorrow, but he had already arranged for the florist to deliver her favourite flowers to the hospital. 

She hadn’t responded to his call, she was sleeping herself. Regulus had called the nurse as soon as he saw her pretty eyelids flutter shut and as he was waiting for them to arrive to take the baby back he whispered, “thank you for paying me back.” 

But it wasn’t until they were in her late twenties. Regulus had a house, a pretty wife, and two beautiful children to come home to everyday and each day, he brought back with him something for his pretty wife. 

Whether it was her favourite flowers or her favourite pastry that he had sent his assistant to retrieve all the way from Paris, he continued to spoil her. 

One night he came home and it was thundering horribly. 

As she was replacing her old flowers in her favourite vase she whispered, “the kids have been terrified all day.”

“Poor darlings.”

“One started crying and then the other followed and I almost copied them too.” 

Regulus could tell that she had had a hard day with the two children so he ran her a bath while he got the kids fed and off to bed. 

“Thank you for that,” she hummed when she finally joined him in bed, “you’re the best.” 

She placed her legs over his hips and leant down to kiss him. “Can I pay you back for tonight?” She teased, running her fingers up and down his bare chest. Sometimes when Regulus wouldn’t let her pay him back she’d resort to other acts to which he happily let her repay him with. 

“Told you I was your sugar baby,” she’d teased. 

Regulus winced,”please don’t say that.”

Regulus had a cocky smirk gracing his lips, but just as he was about to agree a loud clap of thunder shook the house making her jump.

Regulus was quick to wrap his arms around her, but she only groaned and got out of his grasp, knowing what was about to come. 

“Mummy!”

“Daddy!”

And within seconds their two little munchkins were in their room. 

“We can’t sleep.” “Lucky we bought a big bed,” Regulus sighed. 

“Don’t worry my darlings,” She reassured them, already pulling the blanket back so they could join them, “just a little bit of thunder, it won’t hurt you.” 

“We won’t let anything happen to you, yeah?” Regulus continued, moving over to make room for the two little humans. 

It seemed with the protection of their parents, the two little munchkins were able to fall asleep almost instantly. 

The eldest was snuggled up to her, their arms resting across her tummy and their head buried in her chest while the youngest had their head rested on Regulus’ chest with their legs reaching her tummy. 

“Regulus,” she whispered, not sure if her husband was still awake. He hummed back in response. “I’m mad they ruined the mood, but I still love them.” Regulus let out a soft chuckle. 

“Thank you for spoiling me this afternoon.” 

“Anytime.” 

“Is there any other way I can repay you?” 

“You already have.” 

“I didn’t get to tonight, maybe tomorrow? Or maybe on the weekend I can drop them off at-”

“Darling, no,” Regulus interrupted. “You’ve already repaid me.” 

“How so?” 

“By giving me these two little munchkins,” he whispered. When she didn’t say anything he continued. “By agreeing to be my wife. By letting me spoil you. By loving me all the time. By being the best mother. By-”

“Regulus,” she whined, “you’re so cheesy.” 

“It’s true.” Part of him wished there weren’t two little bodies blocking him from reaching out to her, but they were the biggest part of their relationship, so he didn’t complain. “All I wanted growing up was to have a family like this and you’ve provided me with that and more.” 

“Well, if I knew that was how I needed to repay you I would’ve had your babies quicker,” she teased and Regulus was glad she couldn’t see his playful eyeroll. 

“I’m serious,” he insisted and she sighed. “I just want to repay you for everything you’ve done for me.”

“You make it so easy to love you.” She turned her head as much as she could to look at him. “So can we call it even now? You’ve spoiled me enough to make up for everything I’ve done, deal?” 

“Darling, I’m never going to stop spoiling you.”

[every-day-updates]

RBI's Draft Guidelines: Enhancing Transparency in Loan Aggregation

The Reserve Bank of India (RBI) has introduced draft guidelines aimed at fostering transparency in the aggregation of loan products by lending service providers (LSPs). The proposed framework seeks to empower borrowers with comprehensive information about available loan offers, thereby enabling informed decision-making.

Under the draft guidelines, banks and non-banking finance companies (NBFCs) are required to ensure that their loan service providers furnish a digital view of all loan offers accessible to borrowers from willing lenders with whom the LSPs have arrangements. This digital view encompasses essential details such as the lender's identity, loan amount, tenor, annual percentage rate, and key terms and conditions, facilitating a fair comparison of various offers.

To uphold transparency, the RBI mandates that the content displayed by LSPs remain unbiased and refrain from promoting specific lenders' products through deceptive practices. Additionally, LSPs must adopt a consistent approach in assessing lenders' willingness to offer loans, with full disclosure of their methodology.

Furthermore, the guidelines stipulate the provision of a link to the key facts statement (KFS) for each regulated entity, ensuring borrowers have access to essential information about the lenders.

LSPs, acting as agents of regulated entities, are entrusted with various functions related to customer acquisition, underwriting support, pricing support, and servicing, among others. However, the RBI emphasizes the need for adherence to outsourcing guidelines to maintain operational integrity.

The proliferation of LSPs offering loan aggregation services underscores the importance of ensuring transparency in the borrower-lender relationship. Particularly in cases where LSPs have arrangements with multiple lenders, borrowers may not have upfront visibility into the potential lender. The draft guidelines aim to address this issue, promoting fairness and accountability in the digital lending ecosystem.

By setting forth clear norms for loan aggregation, the RBI seeks to enhance consumer protection and foster a more transparent and competitive lending landscape. As stakeholders provide feedback on the draft guidelines, the regulatory framework is poised to evolve, further bolstering trust and confidence in the digital lending space.

[info24sevennews-blog]

RBI Freezes Talkcharge Wallet! Must You Redeem Before May 17th?

The RBI Cracks Down on Talkcharge: Is Your Money Safe? The Reserve Bank of India (RBI) is making waves again, this time targeting unauthorized prepaid wallet services. Talkcharge Technologies Pvt. Ltd., based in Gurgaon, is in hot water for issuing Prepaid Payment Instruments (PPIs) through its website and app without proper RBI approval. This raises a critical question: is your money safe with…

[hacialikara]

RBI bars Kotak Bank from digital onboarding of customers, fresh credit cards

India’s central bank on Wednesday ordered Kotak Mahindra Bank to immediately cease onboarding new customers via its online and mobile banking channels, and to stop issuing fresh credit cards, citing serious deficiencies in the bank’s IT systems and risk management practices. Kotak Mahindra Bank is India’s fourth most valuable bank. It’s also one of the key partners for many fintech startups —…