Ireland: Consumer Credit

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Consumer protection law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics that involve consumer protection regulations and the developing law surrounding them from specialists working in this area.

Landmark Ruling: UK Supreme Court Clarifies Consumer Rights In Motor Finance Agreements

On Friday 1 August, the UK Supreme Court handed down its judgment in three consolidated appeals on the receipt of commissions by motor dealers from lenders...

European Union Finance

AC

Arthur Cox

EU Credit Servicing Directive – Amendment To Consumer Protection Code

The Directive on Credit Servicers and Credit Purchasers (Directive (EU) 2021/2167Opens in new window, the "Credit Servicing Directive") applies to the sales and servicing of non-performing loans ("NPLs") issued by a credit institution established in the EU.

European Union Consumer

M

Matheson

FIG Top 5 At 5 - 02/11/2023

On 26 October 2023, the Director of Consumer Protection at the Central Bank of Ireland ("Central Bank") , Colm Kincaid, delivered his opening remarks at the Vincentian Business...

Ireland Finance

M

Matheson

FIG Top 5 At 5 - 21/09/2023

On 13 September 2023, Minister McGrath published the Government's Financial Consumer Protection RoadmapOpens in new window ("Roadmap").

European Union Consumer

M

Matheson

FIG Top 5 At 5 - 22/06/2023

Ireland Finance

M

Matheson

Consumer Credit (Amendment) Act 2022

Ireland Finance

DE

Dillon Eustace

Regulation Of Hire-Purchase, Consumer-Hire And PCP Finance – New Authorisation Regime Commenced

Ireland Finance

W

Walkers

Distance Marketing: Commission Publishes Reform Proposals

Ireland Finance

AC

Arthur Cox

Hire-Purchase (And PCP), Consumer Hire And Buy-Now-Pay-Later Products: New Central Bank Authorisation Requirements

Ireland Consumer

AC

Arthur Cox

Hire-Purchase, Consumer Hire, PCP And Buy-Now-Pay-Later: New Authorisation Framework

Ireland Consumer

AC

Arthur Cox

FinTech 2022 - Trends & Developments

Ireland Technology

M

Matheson

Central Bank Notice Of Intention Regarding Upcoming Changes Following Enactment Of The Consumer Protection (Regulation Of Retail Credit And Credit Servicing Firms) Bill 2021

Ireland Consumer

M

Matheson

Credit Servicing Directive

European Union Consumer

M

Matheson

Buy Now, Pay Later ... Regulated Soon

Ireland Consumer

DE

Dillon Eustace

Governing AI, Powering Innovation With Colin Rooney (Video)

Ireland Technology

AC

Arthur Cox

Ireland Finance

AC

Arthur Cox

Funds Quarterly Legal And Regulatory Update: 1 July 2025 - 30 September 2025

Ireland Finance

DE

Dillon Eustace

AI And Funds Tokenization: The Regulatory Experiences In Ireland To Date

Ireland Finance

DE

Dillon Eustace

Doing Business In... 2025: Law And Practice

Ireland Commercial

M

Matheson

New Regime For Consumer Hire Purchase, PCP Finance And Point Of Sale Lending

The Consumer Protection (Regulation of Retail Credit and Credit Servicing Firms) Bill 2021 (the "Bill") was published on 23 June 2021. Its enactment is expected later this year.

Ireland Finance

MG

Maples Group

NPL Update: Scope Of Credit Servicing Directive Agreed

Political agreement has finally been reached on the scope of the proposed Directive on credit servicers

European Union Finance

AC

Arthur Cox

Financial Services And The Summer Legislative Programme

On 26 April 2021, the Government published the Legislative Programme for Summer 2021. The programme contains a number of pieces of legislation pertaining to financial services, some of which include:

Ireland Finance

M

Matheson

Moneylending – New Central Bank Regulations

The Central Bank of Ireland (CBI) has introduced The Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Licensed Moneylenders) Regulations 2020 (the Regulations). The Regulations which are applicable...

Ireland Consumer

DE

Dillon Eustace

Repossessions Update: Bank Of Ireland -v- Adrian Blanc And Lucille Blanc

Ireland Finance

RL

RDJ LLP

Retail Credit Firms

Ireland Consumer

M

Matheson

Amended Credit Servicing Regulatory Regime Now In Force

Ireland Consumer

W

Walkers

The Consumer Protection (Regulation Of Credit Servicing Firms) Act 2018

Ireland Consumer

DE

Dillon Eustace

Regulating Loan Owners: Proposed Amendments To The Credit Servicing Regulatory Regime (Update)

Ireland Consumer

W

Walkers

L-QIAIF Reporting To The Central Credit Register

Ireland Finance

M

Matheson

Regulating Loan Owners: Proposed Amendments To The Credit Servicing Regulatory Regime

Ireland Consumer

W

Walkers

Credit Reporting Act 2013 – Extended To Include Hire Purchase And Similar Arrangements

Ireland Consumer

W

Walkers

Credit Reporting: Scope Extended

Ireland Consumer

AC

Arthur Cox

Credit Reporting Act 2013 – An Update

Ireland Finance

MH

Mason Hayes & Curran

Regulating Loan Owners: Proposed Amendments To The Credit Servicing Regulatory Regime

The sale of non-performing loan ("NPL") books by Irish banks has been the subject of intense political and media scrutiny for a number of years due to the perceived impact of the sales of such loan books on underlying borrowers, particularly consumer and small and medium enterprise ("SME") borrowers.

Ireland Consumer

W

Walkers

Credit Reporting Act 2013 – Extended To Include Hire Purchase And Similar Arrangements

With effect from 29 October 2018, the Credit Reporting Act 2013 (the "CRA 2013") has been amended with the result that the forms of reportable credit under the CRA 2013.

Ireland Consumer

W

Walkers

Credit Reporting: Scope Extended

The Credit Reporting Act 2013 has been amended to bring hire purchase agreements and similar credit agreements, together with personal contract plans (PCPs), within the scope of the credit reporting regime.

Ireland Consumer

AC

Arthur Cox

Credit Reporting Act 2013 – An Update

One of the main aims of the Credit Reporting Act 2013 (Act), when it was enacted, was to put in place a Central Credit Register (Register) to record information on both consumer and business borrowers.

Ireland Finance

MH

Mason Hayes & Curran

Credit Reporting Update: Vol 2/2016

Ireland Consumer

AC

Arthur Cox

Consumer Protection (Regulation Of Credit Servicing Firms) Act 2015

The Consumer Protection (Regulation of Credit Servicing Firms) Act 2015 was introduced to ensure that consumers and SMEs whose loans have been sold to unregulated entities will continue to enjoy the same protections they enjoyed prior to the sale of their loan.

Ireland Consumer

AS

AMOSS Solicitors

Consumer Protection (Regulation Of Credit Servicing Firms) Bill 2015

On 12 January 2015, the Government published the Consumer Protection (Regulation of Credit Servicing Firms) Bill 2015.

Ireland Finance

MH

Mason Hayes & Curran

Consumer Protection (Regulation Of Credit Servicing Firms) Bill, January 2015

On 15 January 2015, the Department of Finance published the Consumer Protection (Regulation of Credit Servicing Firms) Bill (the Bill).

Ireland Finance

AC

Arthur Cox

The Consumer Protection (Regulation Of Credit Servicing Firms) Bill 2015

On 14th January, 2015, the Irish government published the much anticipated bill in relation to the continuation of regulatory protection for borrowers following the sale of their loans from regulated to unregulated entities.

Ireland Consumer

DE

Dillon Eustace

Public Consultation – Consumer Protection On The Sale Of Loan Books

Ireland Finance

DE

Dillon Eustace

Involved In Credit? You Will Need To Sign The Register!

Ireland Finance

M

Matheson

Court Considers Whether Part Time Property Investors Should Be Treated As "Consumers"

Ireland Finance

MH

Mason Hayes & Curran

Central Bank Publishes Its 2014 Programme Of Themed Reviews And Inspections And 2014 Enforcement Priorities

Ireland Finance

AC

Arthur Cox

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