As the country prepares to love or hate the next government, some of us finance nerds are keeping our fingers tightly crossed that the next finance minister understands finance. At stake is the implementation of the Indian Financial Code—a set of laws that puts the Indian consumer of financial products and services at the heart of the financial system. India is possibly the first country in the world to attempt to codify consumer protection in finance into law. Loaded against this changeover are two giant forces. The first are the powerful lobbies of banks, insurance companies and other finance firms who benefit if fuzzy regulation, regulatory arbitrage and cosmetic attention to consumer issues continue. The second is the government itself. There is a conflict of interest for the government to change from a system that ensures cheap money to one that will make the government less dependent on money from financial repression.