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as a rent pressure zone during the period commencing on 15 May 2025 and 
ending on 31 December 2025. 
 
 
 
 
 
 
 
 
GIVEN under my Official Seal, 
13 May, 2025. 
 
JAMES BROWNE, 
Minister for Housing, Local Government and Heritage. 
 
 
 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 16th May, 2025. 
[187]  3 
EXPLANATORY NOTE 
 
(This note is not part of the Instrument and does not purport to be a legal 
interpretation)


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(This note is not part of the Instrument and does not purport to be a legal 
interpretation) 
 
This Order provides for the designation of the Local Electoral Area of Castlebar 
as a rent pressure zone under section 24A of the Residential Tenancies Act 2004 
(as inserted by section 36 of the Planning and Development (Housing) and 
Residential Tenancies Act 2016), for the period commencing on 15 May 2025 
and ending on 31 December 2025. 
 
 
4  [187]


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and ending on 31 December 2025. 
 
 
4  [187] 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100


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GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
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STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 170 of 2025 
 
 
 
 
________________ 
 
 
 
 
EUROPEAN UNION (SETTLEMENT FINALITY) (AMENDMENT) 
REGULATIONS 2025 
 
 
 
 
2  [170] 
S.I. No. 170 of 2025 
 
EUROPEAN UNION (SETTLEMENT FINALITY) (AMENDMENT) 
REGULATIONS 2025 
 
I, PASCHAL DONOHOE, Minister for Finance, in exercise of the powers 
conferred on me by section 3 of the European Communities Act 1972 (No. 27 of


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conferred on me by section 3 of the European Communities Act 1972 (No. 27 of 
1972) and for the purpose of giving further effect to Directive 98/26/EC of the 
European Parliament and of the Council of 19 May 19981 (as last amended by 
Regulation (EU) 2024/886 of the European Parliament and of the Council of 13 
March 20242), hereby make the following regulations: 
 
1. 
These Regulations may be cited as the European Union (Settlement 
Finality) (Amendment) Regulations 2025. 
 
2.


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Finality) (Amendment) Regulations 2025. 
 
2. 
Regulation 2 (1) of the European Communities (Settlement Finality) 
Regulations 2010 (S.I. No. 624 of 2010) is amended – 
(a) 
by the substitution of the following definition for the definition of 
“credit institution”: 
“ ‘credit institution’ means a credit institution as defined in  
Article 4(1), point (1), of Regulation (EU) No 575/20133 , 
including the entities listed in Article 2(5) of Directive 
2013/36/EU4;”, 
(b)


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including the entities listed in Article 2(5) of Directive 
2013/36/EU4;”, 
(b) 
by the substitution of the following definition for the definition of 
“institution”: 
“ ‘institution’ means – 
(a) 
(i) 
a credit institution, 
(ii) 
an investment firm, 
(iii) a public authority or publicly guaranteed 
undertaking, or 
(iv) an undertaking whose head office is outside 
the European Union and whose functions 
correspond to those of a European Union 
credit institution or investment firm,


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correspond to those of a European Union 
credit institution or investment firm, 
which participates in a system and which is 
responsible 
for 
discharging 
the 
financial 
obligations arising from transfer orders within that 
system; 
(b) 
(i) 
a payment institution, or 
 
1 O.J. L 166, 11.6.1998, p.45 
2 OJ L, 2024/886, 19.3.2024 
3 O.J. L176, 27.06.2013, p.1 
4 O.J. L176, 27.06.2013, p.338 
Notice of the making of this Statutory Instrument was published in


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4 O.J. L176, 27.06.2013, p.338 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 13th May, 2025. 
[170]  3 
(ii) 
 an electronic money institution, 
which participates in a system whose business 
consists of the execution of transfer orders and 
which is responsible for discharging the financial 
obligations arising from such transfer orders 
within that system;”, 
(c) 
by the substitution of the following definition for the definition of


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within that system;”, 
(c) 
by the substitution of the following definition for the definition of 
“investment firm”: 
“ ‘investment firm’ means an investment firm as defined in 
Article 4(1), point (1), of Directive 2014/65/EU5, but does not 
include the institutions set out in Article 2(1) of that Directive;”,  
(d) 
by the substitution of the following definition for the definition of 
“Settlement Finality Directive”: 
“ ‘Settlement Finality Directive’ means Directive 98/26/EC of the


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“ ‘Settlement Finality Directive’ means Directive 98/26/EC of the 
European Parliament and of the Council of 19 May 19986 as 
amended by Directive 2009/44/EC of the European Parliament 
and of the Council of 6 May 20097, Directive 2010/78/EU of the 
European Parliament and of the Council of 24 November 20108, 
Regulation (EU) No 648/2012 of the European Parliament and of 
the Council of 4 July 20129, Regulation (EU) No 909/2014 of the 
European Parliament and of the Council of 23 July 201410,


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European Parliament and of the Council of 23 July 201410, 
Directive (EU) 2019/879 of the European Parliament and of the 
Council of 20 May 201911 and Regulation (EU) 2024/886 of the 
European Parliament and of the Council of 13 March 202412;”, 
and 
(e) 
by the insertion of the following definitions:  
“ ‘electronic money institution’ has the same meaning as it has in 
the European Communities (Electronic Money) Regulations 2011 
(S.I. No. 183 of 2011);


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the European Communities (Electronic Money) Regulations 2011 
(S.I. No. 183 of 2011); 
‘payment institution’ has the same meaning as it has in the 
European Union (Payment Services) Regulations 2018 (S.I. No. 
6 of 2018);”. 
 
 
 
5 O.J. L 173,12.6.2014, p.349 
6 O.J. L 166, 11.6.1998, p.45 
7 O.J. L 146, 10.6.2009, p.37 
8 O.J. L 331, 15.12.2010, p.120 
9 O.J. L 201, 27.7.2012, p.1 
10 O.J. L 257, 28.8.2014, p.1 
11 O.J. L 150, 7.6.2019, p.296 
12 OJ L, 2024/886, 19.3.2024 
4  [170]


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11 O.J. L 150, 7.6.2019, p.296 
12 OJ L, 2024/886, 19.3.2024 
4  [170] 
 
 
 
 
GIVEN under my Official Seal, 
8 May, 2025. 
 
PASCHAL DONOHOE, 
Minister for Finance. 
 
 
 
 
[170]  5 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN


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D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 3.00   
 
 
 
 
 
 
 
 
(PRDFF-223) 30. 5/25. Propylon.


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string_value:
STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 159 of 2025 
 
 
 
 
________________ 
 
 
 
 
INTEGRATION AND RECEPTION (TRANSFER OF DEPARTMENTAL 
ADMINISTRATION AND MINISTERIAL FUNCTIONS) ORDER 2025 
 
 
 
 
2  [159] 
S.I. No. 159 of 2025 
 
INTEGRATION AND RECEPTION (TRANSFER OF DEPARTMENTAL 
ADMINISTRATION AND MINISTERIAL FUNCTIONS) ORDER 2025 
 
The Government, in exercise of the powers conferred on them by section 6(1) of


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The Government, in exercise of the powers conferred on them by section 6(1) of 
the Ministers and Secretaries (Amendment) Act 1939 (No. 36 of 1939), hereby 
order as follows: 
 
1. (1) This Order may be cited as the Integration and Reception (Transfer of 
Departmental Administration and Ministerial Functions) Order 2025. 
(2) This Order comes into operation on 1 May 2025. 
 
2. 
In this Order – 
“Act of 2015” means the International Protection Act 2015 (No. 66 of 2015);


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2. 
In this Order – 
“Act of 2015” means the International Protection Act 2015 (No. 66 of 2015); 
“Regulations of 2018” means the European Communities (Reception 
Conditions) Regulations 2018 (S.I. No. 230 of 2018). 
 
3. (1) The administration and business in connection with the exercise, 
performance or execution of any functions transferred by this Order are 
transferred to the Department of Justice. 
(2) References to the Department of Children, Equality, Disability,


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(2) References to the Department of Children, Equality, Disability, 
Integration and Youth contained in any Act or any instrument made under such 
Act and relating to the administration and business transferred by paragraph (1) 
shall, on and after the commencement of this Order, be construed as references 
to the Department of Justice. 
 
4. (1) The functions vested in the Minister for Children, Equality, 
Disability, Integration and Youth – 
(a)


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Disability, Integration and Youth – 
(a) 
by or under the provisions of the Acts specified in Part 1 of the 
Schedule, and 
(b) 
under the provisions of the statutory instrument specified in 
Part 2 of the Schedule, 
are transferred to the Minister for Justice. 
(2) The functions vested in the Minister for Children, Equality, Disability, 
Integration and Youth in relation to – 
(a) 
the International Protection Accommodation Services (IPAS)


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(a) 
the International Protection Accommodation Services (IPAS) 
which offers accommodation and related services to persons 
seeking international protection in the State, 
(b) 
the International Protection Procurement Services (IPPS) and 
the procurement of accommodation and related services for 
persons seeking international protection in the State, 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 11th April, 2025. 
[159]  3 
(c)


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"Iris Oifigiúil" of 11th April, 2025. 
[159]  3 
(c) 
the acquisition, development and management of State-owned 
centres for persons seeking international protection in the 
State, 
(d) 
the co-ordination of Government policy in relation to anti-
racism policy and migrant integration, and the management of 
funds related to anti-racism and migrant integration initiatives 
including the following funds: 
(i) 
International Protection Integration Fund; 
(ii) 
Communities Integration Fund;


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(i) 
International Protection Integration Fund; 
(ii) 
Communities Integration Fund; 
(iii) National Integration Fund; 
(iv) Asylum Migration and Integration Fund; 
(v) 
Integration and Employment of Migrants (IEM) strand 
of the European Social Fund Plus; 
(vi) Ireland Against Racism Fund, 
(e) 
the operation and implementation of integration programmes 
for migrants, 
(f) 
the giving of permission to enter and remain in the State for


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for migrants, 
(f) 
the giving of permission to enter and remain in the State for 
resettlement or for temporary protection, referred to in section 
59(1) of the Act of 2015, 
(g) 
the entering in a register referred to in section 59(1) of the Act 
of 2015 of the names of persons to whom permission to enter 
and remain in the State for resettlement or for temporary 
protection, is given, and maintenance of such a register, 
(h) 
the maintenance of a website referred to in section 60(14A)(b)


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(h) 
the maintenance of a website referred to in section 60(14A)(b) 
of the Act of 2015, 
(i) 
the maintenance of the website referred to in the definition of 
“National Standards” in Regulation 2 of the Regulations of 
2018 and in Regulation 25(4) of those Regulations, 
(j) 
the entering into arrangements referred to in the definition of 
“service provider” in Regulation 2 of the Regulations of 2018, 
(k) 
the provision of access to suitable accommodation for persons


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(k) 
the provision of access to suitable accommodation for persons 
enjoying temporary protection as required under Article 13(1) 
of Council Directive 2001/55/EC of 20 July 20011, and 
(l) 
the management of the resettlement in the State of refugees 
admitted as part of the United Nations Resettlement 
Programme, 
are transferred to the Minister for Justice. 
(3) References to the Minister for Children, Equality, Disability, Integration


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(3) References to the Minister for Children, Equality, Disability, Integration 
and Youth contained in any Act or instrument made under such Act, and relating 
 
1 OJ No. L212, 07.08.2001, p.12 
4  [159] 
to any functions transferred by this Article shall, on and after the commencement 
of this Order, be construed as references to the Minister for Justice. 
 
5. 
Where, immediately before the commencement of this Order, any legal


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5. 
Where, immediately before the commencement of this Order, any legal 
proceedings are pending to which the Minister for Children, Equality, Disability, 
Integration and Youth is a party and the proceedings have reference to functions 
transferred by this Order to the Minister for Justice, the name of the Minister for 
Justice shall, in so far as the proceedings relate to any function transferred by 
this Order, be substituted in the proceedings for that of the Minister for Children,


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this Order, be substituted in the proceedings for that of the Minister for Children, 
Equality, Disability, Integration and Youth or added in the proceedings, as may 
be appropriate, and the proceedings shall not abate by reason of such 
substitution. 
 
6. 
Anything commenced before the commencement of this Order by or 
under the authority of the Minister for Children, Equality, Disability, Integration 
and Youth may, in so far as it relates to functions transferred by this Order to the


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and Youth may, in so far as it relates to functions transferred by this Order to the 
Minister for Justice, be carried on or completed on or after such commencement 
by the Minister for Justice. 
 
7. 
Every document (including any certificate or licence) granted or made in 
the performance of a function transferred by this Order, if and in so far as it was 
operative immediately before the commencement of this Order, has effect on and


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operative immediately before the commencement of this Order, has effect on and 
after such commencement as if it had been granted or made by the Minister for 
Justice. 
 
8. 
References to the Minister for Children, Equality, Disability, Integration 
and Youth contained in the constitution of any company and relating to any 
functions transferred by this Order shall, on and after the commencement of this 
Order, be construed as references to the Minister for Justice.


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Order, be construed as references to the Minister for Justice. 
 
9. (1) All property, rights and liabilities held, enjoyed or incurred before the 
commencement of this Order by the Minister for Children, Equality, Disability, 
Integration and Youth in connection with the functions transferred by this Order 
are transferred on the commencement to the Minister for Justice and, 
accordingly, without any further conveyance, transfer or assignment – 
(a)


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accordingly, without any further conveyance, transfer or assignment – 
(a) 
the property, both real and personal, vests in the Minister for 
Justice, 
(b) 
those rights are rights of the Minister for Justice, and 
(c) 
those liabilities are liabilities of the Minister for Justice. 
(2) All moneys, stocks, shares and securities transferred to the Minister for 
Justice by this Article which, on the commencement of this Order, are standing


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Justice by this Article which, on the commencement of this Order, are standing 
in the name of the Minister for Children, Equality, Disability, Integration and 
Youth shall, on the request of the Minister for Justice, be transferred into the 
name of the Minister for Justice. 
[159]  5 
SCHEDULE 
Part 1 
 
Enactments, functions by or under which are transferred from the 
Minister for Children, Equality, Disability, Integration and Youth to the 
Minister for Justice 
 
Article 4(1)(a)


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Minister for Justice 
 
Article 4(1)(a) 
 
Section 10(2)(l) of the Irish Human Rights and Equality Commission Act 2024 
(No.25 of 2014), insofar as it relates to the promotion of integration of 
migrants 
 
Sections 59(3) and 60(14A) of the Act of 2015 
 
Part 2 of the Civil Law (Miscellaneous Provisions) Act 2022 (No. 19 of 2022) 
 
Part 2 
 
Statutory instrument, functions under which are transferred from the 
Minister for Children, Equality, Disability, Integration and Youth to the


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Minister for Children, Equality, Disability, Integration and Youth to the 
Minister for Justice 
 
Article 4(1)(b) 
 
Regulation – 
(a) 
3, 4, 5, 6, 7, 8, 20 (insofar as it relates to an application 
under paragraph (1) of that Regulation for a review of a 
decision referred to in subparagraph (a), (b), (c) or (d) of 
that paragraph), 25, 27 (insofar as it relates to Regulation 
6(1)(a)), 27A, 27F(4)(b) and 27G, and 
(b) 
24, insofar as it relates to the functions under the


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6(1)(a)), 27A, 27F(4)(b) and 27G, and 
(b) 
24, insofar as it relates to the functions under the 
provisions referred to in paragraph (a) transferred by this 
Order, 
of the Regulations of 2018. 
 
 
 
 
6  [159] 
 
 
 
 
 
 
 
 
 
 
 
GIVEN under the Official Seal 
of the Government, 
8 April, 2025. 
 
MICHEÁL MARTIN, 
Taoiseach. 
 
 
 
 
 
[159]  7 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS,


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string_value:
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€3.00  
 
 
 
 
 
 
 
 
 
(CSU-106) 30. 5/25. Propylon.


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string_value:
STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 248 of 2025 
 
 
 
 
________________ 
 
 
 
 
FINANCE (PROVISION OF ACCESS TO CASH INFRASTRUCTURE) 
ACT 2025 (COMMENCEMENT) ORDER 2025 
 
 
 
2  [248] 
S.I. No. 248 of 2025 
 
FINANCE (PROVISION OF ACCESS TO CASH INFRASTRUCTURE) 
ACT 2025 (COMMENCEMENT) ORDER 2025 
 
I, PASCHAL DONOHOE, Minister for Finance, in exercise of the powers 
conferred on me by section 1(2) of the Finance (Provision of Access to Cash


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conferred on me by section 1(2) of the Finance (Provision of Access to Cash 
Infrastructure) Act 2025 (No. 4 of 2025), hereby order as follows: 
 
1. 
This Order may be cited as the Finance (Provision of Access to Cash 
Infrastructure) Act 2025 (Commencement) Order 2025. 
 
2. 
The 30th day of June 2025 is appointed as the day on which the Finance 
(Provision of Access to Cash Infrastructure) Act 2025 (No. 4 of 2025) shall come 
into operation. 
 
 
 
 
 
GIVEN under my Official Seal,


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into operation. 
 
 
 
 
 
GIVEN under my Official Seal, 
11 June, 2025. 
 
PASCHAL DONOHOE, 
Minister for Finance. 
 
 
 
 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 13th June, 2025. 
[248]  3 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100


key: chroma:document
string_value:
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 1.50   
 
 
 
 
 
 
 
 
(BS-64) 30. 6/25. Propylon.


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string_value:
STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 119 of 2025 
 
 
 
 
________________ 
 
 
 
 
EMPLOYMENT PERMITS (AMENDMENT) (NO. 3) REGULATIONS 2025 
 
 
 
 
 
2  [119] 
S.I. No. 119 of 2025 
 
EMPLOYMENT PERMITS (AMENDMENT) (NO. 3) REGULATIONS 2025 
 
I, PETER BURKE, Minister for Enterprise, Trade and Employment, in exercise 
of the powers conferred on me by sections 4, 9, 10, 11, 12, 13, 15, 18, 19, 21, 
22, 23, 24, 25, 26, 27, 28, 29, 31, 32, 33, 34, 35, 36, 37, 39, 40, 41, 43, 44, 45,


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22, 23, 24, 25, 26, 27, 28, 29, 31, 32, 33, 34, 35, 36, 37, 39, 40, 41, 43, 44, 45, 
46, 47, 49, 50 and 63 of the Employment Permits Act 2024 (No. 17 of 2024), 
hereby make the following regulations: 
 
Citation 
1. 
These Regulations may be cited as the Employment Permits 
(Amendment) (No. 3) Regulations 2025. 
 
Commencement 
2. 
These Regulations come into operation on 7 April 2025. 
 
Definitions 
3. 
In these Regulations “Principal Regulations” means the Employment


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Definitions 
3. 
In these Regulations “Principal Regulations” means the Employment 
Permits Regulations 2024 (S.I. No. 444 of 2024). 
 
Amendment of Schedule 5 to Principal Regulations 
4. 
Schedule 5 (as amended by Regulation 5 of the Employment Permits 
(Amendment) (No. 2) Regulations 2025 (S.I. No. 64 of 2025)) to the Principal 
Regulations is amended— 
(a) 
in the entry for “Car mechanic, Motor mechanic, Auto electrician, 
Motor vehicle technician”— 
(i)


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in the entry for “Car mechanic, Motor mechanic, Auto electrician, 
Motor vehicle technician”— 
(i) 
in Column 2, by substituting “251” for “200”, and  
(ii) 
in Column 3, by substituting “7th April 2025” for “30 
October 2024”, 
(b) 
in the entry for “HGV/Bus mechanic”— 
(i) 
in Column 2, by substituting “97” for “200”, and  
(ii) 
in Column 3, by substituting “7th April 2025” for “2nd 
September 2024”, and 
(c) 
in the entry for “Vehicle body builder and repairer / Body Shop 
Panel Beater”—


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(c) 
in the entry for “Vehicle body builder and repairer / Body Shop 
Panel Beater”— 
(i) 
in Column 2, by substituting “50” for “17”, and 
(ii) 
in Column 3, by substituting “7th April 2025” for “2nd 
September 2024”. 
 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 8th April, 2025. 
[119]  3 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
GIVEN under my Official Seal, 
3 April, 2025. 
 
PETER BURKE, 
Minister for Enterprise, Trade and Employment. 
 
 
 
4  [119]


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3 April, 2025. 
 
PETER BURKE, 
Minister for Enterprise, Trade and Employment. 
 
 
 
4  [119] 
EXPLANATORY NOTE 
 
(This note is not part of the Instrument and does not purport to be a legal 
interpretation.) 
 
These Regulations are made under the Employment Permits Act 2024. They 
amend the Employment Permits Regulations 2024 by—  
 
- 
increasing the quota of General Employment Permits for employment as 
a car mechanic, motor mechanic, auto electrician or motor vehicle technician by


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a car mechanic, motor mechanic, auto electrician or motor vehicle technician by 
200 permits, 
- 
increasing the quota of General Employment Permits for employment as 
a HGV/bus mechanic by 200 permits, and 
- 
increasing the quota of General Employment Permits for employment as 
a vehicle body builder and repairer or body shop panel beater by 50 permits.  
 
These Regulations may be cited as the Employment Permits (Amendment) (No. 
3) Regulations 2025. 
 
 
 
[119]  5


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3) Regulations 2025. 
 
 
 
[119]  5 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100


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GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 3.00   
 
 
 
 
 
 
 
 
(DBEIEMPU-31) 30. 4/25. Propylon.


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string_value:
STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 186 of 2025 
 
 
 
 
________________ 
 
 
 
 
RENT PRESSURE ZONE (LOCAL ELECTORAL AREA OF TULLOW) 
ORDER 2025 
 
 
 
 
2  [186] 
S.I. No. 186 of 2025 
 
RENT PRESSURE ZONE (LOCAL ELECTORAL AREA OF TULLOW) 
ORDER 2025 
 
I, JAMES BROWNE, Minister for Housing, Local Government and Heritage, in 
exercise of the powers conferred on me by subsection (5) of section 24A 
(inserted by the Planning and Development (Housing) and Residential Tenancies


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(inserted by the Planning and Development (Housing) and Residential Tenancies 
Act 2016 (No. 17 of 2016)) of the Residential Tenancies Act 2004 (No. 27 of 
2004), and consequent on having duly received from the Director of the 
Residential Tenancies Board, pursuant to that subsection, a rent zone report 
confirming that the criteria in subsection (4) of that section are satisfied in 
respect of the area to which the following Order relates, hereby order as follows: 
 
1.


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respect of the area to which the following Order relates, hereby order as follows: 
 
1. 
This Order may be cited as the Rent Pressure Zone (Local Electoral Area 
of Tullow) Order 2025. 
 
2. 
The Order comes into operation on 15 May 2025. 
 
3. 
The area consisting of the Local Electoral Area of Tullow is prescribed 
as a rent pressure zone during the period commencing on 15 May 2025 and 
ending on 31 December 2025. 
 
 
 
 
 
 
 
GIVEN under my Official Seal, 
13 May, 2025. 
 
JAMES BROWNE,


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GIVEN under my Official Seal, 
13 May, 2025. 
 
JAMES BROWNE, 
Minister for Housing, Local Government and Heritage. 
 
 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 16th May, 2025. 
[186]  3 
EXPLANATORY NOTE 
 
(This note is not part of the Instrument and does not purport to be a legal 
interpretation) 
 
This Order provides for the designation of the Local Electoral Area of Tullow as


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This Order provides for the designation of the Local Electoral Area of Tullow as 
a rent pressure zone under section 24A of the Residential Tenancies Act 2004 
(as inserted by section 36 of the Planning and Development (Housing) and 
Residential Tenancies Act 2016), for the period commencing on 15 May 2025 
and ending on 31 December 2025. 
 
 
4  [186] 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS,


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ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 1.50   
 
 
 
 
 
 
 
 
(RMRS-77) 30. 5/25. Propylon.


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string_value:
STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 32 of 2025 
 
 
 
 
________________ 
 
 
 
 
EMPLOYMENT PERMITS ACT 2024 (COMMENCEMENT) ORDER 2025 
 
 
 
2  [32] 
 
S.I. No. 32 of 2025 
 
EMPLOYMENT PERMITS ACT 2024 (COMMENCEMENT) ORDER 2025 
 
I, PETER BURKE, Minister for Enterprise, Trade and Employment, in exercise 
of the powers conferred on me by section 1(2) of the Employment Permits Act 
2024 (No. 17 of 2024), hereby order as follows: 
 
1.


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2024 (No. 17 of 2024), hereby order as follows: 
 
1. 
This Order may be cited as the Employment Permits Act 2024 
(Commencement) Order 2025. 
 
2. 
The 19th day of February 2025 is appointed as the day on which the 
Employment Permits Act 2024 (No. 17 of 2024), in so far as it is not already in 
operation, shall come into operation. 
 
 
 
 
 
 
 
 
 
 
 
 
 
GIVEN under my Official Seal, 
19 February, 2025. 
 
PETER BURKE, 
Minister for Enterprise, Trade and Employment.


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19 February, 2025. 
 
PETER BURKE, 
Minister for Enterprise, Trade and Employment. 
 
 
 
 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 21st February, 2025. 
[32]  3 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN


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string_value:
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 1.50   
 
 
 
 
 
 
 
 
(DBEIEMPU-28) 30. 2/25. Propylon.


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string_value:
STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 71 of 2025 
 
 
 
 
________________ 
 
 
 
 
STUDENT SUPPORT REGULATIONS 2025 
 
 
 
2  [71] 
 
S.I. No. 71 of 2025 
 
STUDENT SUPPORT REGULATIONS 2025 
 
I, JAMES LAWLESS, Minister for Further and Higher Education, Research, 
Innovation and Science, in exercise of the powers conferred on me by sections 
4, 7, 8, 14 and 14A of the Student Support Act 2011 (No. 4 of 2011) (as adapted


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4, 7, 8, 14 and 14A of the Student Support Act 2011 (No. 4 of 2011) (as adapted 
by the Further and Higher Education, Research, Innovation and Science 
(Transfer of Departmental Administration and Ministerial Functions) Order 
2020 (S.I. No. 451 of 2020), and the Public Expenditure and Reform (Alteration 
of Name of Department and Title of Minister) Order 2023 (S.I. No. 19 of 2023)), 
with the consent of the Minister for Public Expenditure, National Development


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with the consent of the Minister for Public Expenditure, National Development 
Plan Delivery and Reform, hereby make the following Regulations:- 
 
Citation and commencement 
1. (1) These Regulations may be cited as the Student Support Regulations 
2025. 
(2) These Regulations shall come into operation on 6th March 2025. 
 
Interpretation 
2. (1) In these Regulations— 
“Act” means the Student Support Act 2011 (No. 4 of 2011);


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2. (1) In these Regulations— 
“Act” means the Student Support Act 2011 (No. 4 of 2011); 
“national framework of qualifications” means the framework of qualifications 
established and maintained pursuant to section 7 of the Qualifications (Education 
and Training) Act 1999 (No. 26 of 1999); 
“postgraduate course” is a course leading to a major higher education and 
training award at Level 8 (Higher Diploma), Level 9 (Postgraduate Diploma,


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training award at Level 8 (Higher Diploma), Level 9 (Postgraduate Diploma, 
Master Degree), Level 10 (Doctoral Degree) on the national framework of 
qualifications, or equivalent awards; 
“relevant specified jurisdiction” means the United Kingdom as respects the class 
of person standing prescribed by virtue of paragraph (3) of Regulation 5; 
“undergraduate course” means a course leading to a major higher education and 
training award at Level 6 (Higher Certificate), Level 7 (Ordinary Bachelor


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training award at Level 6 (Higher Certificate), Level 7 (Ordinary Bachelor 
Degree), Level 8 (Honours Bachelor Degree) on the national framework of 
qualifications, or equivalent awards, other than a course known for the time 
being as a post-leaving certificate course. 
(2) A word or expression which is used in these Regulations and which is 
also used in the Act has, unless the context otherwise requires, the same meaning 
in these Regulations as it has in the Act. 
(3) 
(a)


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in these Regulations as it has in the Act. 
(3) 
(a) 
A reference in these Regulations to a Regulation is to a 
Regulation of these Regulations, unless it is indicated that 
reference to some other Regulations is intended; 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 11th March, 2025. 
[71]  3 
 
(b) 
A reference in these Regulations to a paragraph or subparagraph 
is to the paragraph or subparagraph of the provision in which the


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is to the paragraph or subparagraph of the provision in which the 
reference occurs, unless it is indicated that reference to some 
other provision is intended; 
(c) 
A reference in these Regulations to a Schedule is to a Schedule to 
these Regulations, unless it is indicated that reference to some 
other Regulations is intended. 
 
Approved institutions 
3. (1) The institutions listed in Schedule 1 are “approved institutions” under 
section 7(1)(a) to (d) of the Act.


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section 7(1)(a) to (d) of the Act. 
(2) The institutions listed in Schedule 2 are prescribed as “approved 
institutions” for the purposes of section 7(1)(f) and (2) of the Act. 
 
Approved courses 
4. 
The following courses are prescribed as “approved courses” for the 
purposes of section 8(1)(c) of the Act— 
(a) 
full-time courses, known as “post-leaving certificate courses”— 
(i) 
that take not less than one year to complete; 
(ii) 
that are provided by an approved institution that comes


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(ii) 
that are provided by an approved institution that comes 
within the terms of section 7(1)(d) of the Act and listed in 
Part C of Schedule 1; 
(iii) that are approved for funding by SOLAS as post-leaving 
certificate courses; 
(iv) on the successful completion of which a student is awarded 
a major education and training award which is a recognised 
qualification that is not at a lower level than Level 5 in the 
framework of qualifications; and 
(v)


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framework of qualifications; and 
(v) 
notwithstanding subparagraph (iv), the courses listed in Part 
C of Schedule 2 will be considered to be post-leaving 
certificate courses for the purposes of these Regulations; 
(b) 
the following full-time undergraduate courses, on the successful 
completion of which a student is awarded a major higher 
education and training award which is a recognised qualification 
pursuant to the framework of qualifications—  
(i)


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pursuant to the framework of qualifications—  
(i) 
 a course that takes not less than two years to complete and 
is provided by an approved institution that comes within the 
terms of section 7(1)(a), (b), (ba) or (c) of the Act and is 
listed in Part A or B of Schedule 1, including courses listed 
in Part D of Schedule 2 which require the successful 
completion of a course listed in Part C of Schedule 2 as a 
condition of entry; 
4  [71] 
 
(ii)


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completion of a course listed in Part C of Schedule 2 as a 
condition of entry; 
4  [71] 
 
(ii) 
a course at Level 6 in the framework of qualifications that 
takes one year to complete and is provided by an approved 
institution that comes within the terms of section 7(1)(b), 
(ba) or (c) of the Act and is listed in Part B of Schedule 1; 
(iii) a course that takes not less than two years to complete and 
is provided by an approved institution listed in Part A of 
Schedule 2;


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is provided by an approved institution listed in Part A of 
Schedule 2; 
(iv) a course that takes not less than two years to complete and 
is listed in Part B of Schedule 2, along with the approved 
institution providing it; 
(v) 
a course, known for the time being as an “add-on course”, 
that is provided by an approved institution that comes 
within the terms of section 7(1)(a), (b), (ba) or (c) of the Act 
and is listed in Part A or B of Schedule 1 and that takes— 
(I)


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and is listed in Part A or B of Schedule 1 and that takes— 
(I) 
one year to complete and allows persons to progress 
to an undergraduate course leading to a qualification 
at Level 7 in the framework of qualifications, or 
(II) a minimum of one year to complete and allows 
persons to progress to an undergraduate course 
leading to a qualification at Level 8 in the framework 
of qualifications; 
(vi) a course, known for the time being as an “add-on course”,


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of qualifications; 
(vi) a course, known for the time being as an “add-on course”, 
that is provided by an approved institution listed in Part A 
of Schedule 2 and that takes— 
(I) one year to complete and allows persons to progress 
to an undergraduate course leading to a qualification 
at Level 7 in the framework of qualifications, or 
(II) a minimum of one year to complete and allows 
persons to progress to an undergraduate course 
leading to a qualification at Level 8 in the framework


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leading to a qualification at Level 8 in the framework 
of qualifications; 
(vii) a course, known for the time being as an “add-on course”, 
that is listed in Part B of Schedule 2, along with the 
approved institution providing it, and that takes— 
(I) one year to complete and allows persons to progress 
to an undergraduate course leading to a qualification 
at Level 7 in the framework of qualifications, or 
(II) a minimum of one year to complete and allows


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(II) a minimum of one year to complete and allows 
persons to progress to an undergraduate course 
leading to a qualification at Level 8 in the framework 
of qualifications; 
(viii) a course, known for the time being as an “accelerated 
technician programme”, that takes eighteen months to 
complete and is provided by an approved institution that 
[71]  5 
 
comes within the terms of section 7(1)(b) of the Act and 
listed in Part B of Schedule 1; 
(c) 
a full-time undergraduate course that—


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listed in Part B of Schedule 1; 
(c) 
a full-time undergraduate course that— 
(i) 
takes not less than 2 years to complete; 
(ii) 
is provided by an approved institution in a Member State, 
other than the State, or in a relevant specified jurisdiction 
that comes within the terms of section 7(1)(e) or (f) of the 
Act; and 
(iii) leads to a major higher education and training qualification 
that is recognised— 
(I) in a manner, provided for by the laws of the Member


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that is recognised— 
(I) in a manner, provided for by the laws of the Member 
State, or the relevant specified jurisdiction, as the case 
may be that corresponds to the arrangements, 
procedures and systems of the framework of 
qualifications, or 
(II) otherwise in accordance with the laws of the Member 
State, or the relevant specified jurisdiction, as the case 
may be; 
(d) 
the following full-time postgraduate courses in the State, on the


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may be; 
(d) 
the following full-time postgraduate courses in the State, on the 
successful completion of which a student is awarded a major 
higher education and training award which is a recognised 
qualification pursuant to the framework of qualifications— 
(i) 
a course that takes not less than one year to complete and is 
provided by an approved institution that comes within the 
terms of section 7(1)(a), (b), (ba) or (c) of the Act and listed 
in Part A or B of Schedule 1; 
(ii)


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in Part A or B of Schedule 1; 
(ii) 
a course that takes not less than one year to complete and is 
provided by an approved institution listed in Part A of 
Schedule 2; 
(iii) a course that takes not less than one year to complete and is 
listed in Part B of Schedule 2, along with the approved 
institution providing it; 
(e) 
a full-time postgraduate course that— 
(i) 
takes not less than one year to complete; 
(ii) 
is provided by an approved institution that comes within the


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(ii) 
is provided by an approved institution that comes within the 
terms of section 7(1)(e) of the Act and is situated in 
Northern Ireland;  
(iii) is listed in Schedule 3; and 
(iv) leads to a major higher education and training qualification 
that is recognised— 
(I) in a manner, provided for by the laws of Northern 
Ireland, that corresponds to the arrangements, 
6  [71] 
 
procedures and systems of the framework of 
qualifications, or


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6  [71] 
 
procedures and systems of the framework of 
qualifications, or 
(II) otherwise in accordance with the laws of Northern 
Ireland. 
 
Prescribed students 
5. (1) The following family members are prescribed for the purposes of 
section 14(1)(d) of the Act— 
(a) 
a person who is a family member of a person referred to in section 
14(1)(a) of the Act and has permission to remain in the State as a 
family member of such person under the provisions of the


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family member of such person under the provisions of the 
European Communities (Free Movement of Persons Regulations) 
2006 and 2008 and Directive 2004/38/EC of the European 
Parliament and of the Council of 29 April 2004; and 
(b) 
a person who has permission to remain in the State— 
(i) 
by virtue of marriage to, or a civil partnership with, an Irish 
national residing in the State, or 
(ii) 
as a dependent child of a person coming within clause (i), 
or


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(ii) 
as a dependent child of a person coming within clause (i), 
or 
(iii) as a dependent child of a person who has acquired Irish 
Citizenship by naturalisation, residing in the State. 
(2) The following classes of persons are prescribed for the purposes of 
section 14(1)(e)(ii) of the Act— 
(a) 
a person in respect of whom the Minister for Justice has granted 
humanitarian leave to remain in the State under any enactment for 
the time being in force; 
(b)


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humanitarian leave to remain in the State under any enactment for 
the time being in force; 
(b) 
a person granted permission to reside in the State under Section 
49 of the International Protection Act 2015 (No.66 of 2015); 
(c) 
a person in respect of whom the Minister for Justice has granted 
permission to remain following a determination not to make a 
deportation order under section 3 of the Immigration Act 1999 
(No. 22 of 1999);  
(d)


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deportation order under section 3 of the Immigration Act 1999 
(No. 22 of 1999);  
(d) 
a person, pursuant to the European Union (Subsidiary Protection) 
Regulations 2013 (S.I. No. 426 of 2013) — 
(i) 
who is a person eligible for subsidiary protection and in 
relation to whom a subsidiary protection declaration is in 
force and to whom a permission to reside within the State 
has been granted pursuant to those Regulations, or 
(ii) 
to whom the Minister for Justice has granted permission to


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(ii) 
to whom the Minister for Justice has granted permission to 
enter and reside in the State pursuant to Regulation 25 of 
those Regulations, or 
[71]  7 
 
(iii) to whom the Minister for Justice has granted permission to 
reside in the State pursuant to Regulation 26 of those 
Regulations; 
(e) 
a child of a Turkish national in respect of whom the Minister for 
Justice has granted a permission to reside and who, in accordance 
with Article 9 of Decision 1/80 of the Association Council made


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with Article 9 of Decision 1/80 of the Association Council made 
pursuant to the Ankara Agreement 1963, is residing with their 
parents, who are or have been legally employed within the State 
and can satisfy the conditions relating to employment laid down 
in Articles 6 and 7 of Decision 1/80;  
(f) 
a person to whom the Minister for Justice has granted a residence 
permission in accordance with the Regularisation Scheme for 
Long-Term Undocumented Migrants, which permission is still


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Long-Term Undocumented Migrants, which permission is still 
valid; and 
(g) 
a person who has been granted permission to reside in the State 
by the Minister for Justice on the basis that he or she is a parent 
of an Irish citizen child, as supported inter alia by the issuance of 
a Stamp 4. 
(3) The following class of person is prescribed for the purposes of paragraph 
(aa) of section 14(1) of the Act, namely a person who is a national of the United 
Kingdom. 
 
 
8  [71]


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Kingdom. 
 
 
8  [71] 
 
Regulations 3 and 4. 
SCHEDULE 1 
Approved institutions 
PART A 
Atlantic Technological University  
Dublin City University 
Maynooth University - Ireland  
Munster Technological University  
National University of Ireland, Dublin 
National University of Ireland - University College Cork  
South East Technological University 
Trinity College Dublin  
Technological University Dublin 
Technological University of the Shannon: Midlands and Midwest  
University of Galway


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Technological University of the Shannon: Midlands and Midwest  
University of Galway 
University of Limerick 
 
PART B 
Dundalk Institute of Technology 
Dun Laoghaire Institute of Art, Design and Technology 
 
 
 
[71]  9 
 
PART C 
Roll No. 
PLC Provider 
CARLOW    
76514K 
Carlow Institute of Further Education and Training, Mortarstown 
Upper, Carlow, R93 X0FX. 
CAVAN  
76087R 
Cavan Institute, Cathedral Road, Cavan, H12 E426. 
CLARE  
n/a


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string_value:
CAVAN  
76087R 
Cavan Institute, Cathedral Road, Cavan, H12 E426. 
CLARE  
n/a 
College of Further Education and Training - Ennis Campus, 
Clonroad Business Park, Clonroad, Ennis, Co. Clare, V95 KT95. 
n/a 
College of Further Education and Training, Scariff Campus, Scariff, 
County Clare, V94 D262. 
n/a 
College of Further Education and Training, Shannon Campus, 
Shannon Industrial Park, Shannon, Co. Clare, V14 CR63. 
70830N 
Ennis College, Harmony Row, Ennis, Co. Clare, V95 XD66.  
91448K


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string_value:
70830N 
Ennis College, Harmony Row, Ennis, Co. Clare, V95 XD66.  
91448K 
Kilrush Community School, Kilrush, Co. Clare, V15 KT04.   
62000W 
Mary Immaculate Secondary School, Lisdoonvarna, Co. Clare, V95 
R2AW. 
CORK   
n/a 
Cork College of FET Life Sciences Centre, Unit 1 Carrigaline 
Industrial Park, Crosshaven Road, Carrigaline, Co. Cork, P43 D274. 
71121M 
Douglas St Campus, Cork College of FET, Sawmill St., Cork, T12 
DW32. 
70910L


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string_value:
71121M 
Douglas St Campus, Cork College of FET, Sawmill St., Cork, T12 
DW32. 
70910L 
St. Brogan's College, Bandon Road, Kinsale, Co. Cork, P17 NN67. 
76434M 
Mallow Campus, Cork College of FET, West End, Annabella, 
Mallow, Co. Cork P51 P732. 
71120K 
Morrison's Island Campus, Cork College of FET, Morrison's Island, 
Cork, T12 H685. 
71122O 
Tramore Road Campus, Cork College of FET, Tramore Road, Cork, 
T12 AC91. 
DONEGAL 
n/a 
Donegal ETB FET Centre, Letterkenny, Port Road, Donegal,


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string_value:
T12 AC91. 
DONEGAL 
n/a 
Donegal ETB FET Centre, Letterkenny, Port Road, Donegal, 
Ireland, F92 WEW8. 
n/a 
Donegal ETB FET Centre, The Business Hub, Business Park Road, 
Letterkenny, Co. Donegal, F92 HX4F. 
71200I 
Errigal College, Windyhall, Letterkenny, Co. Donegal, F92 FC82. 
n/a 
FET Centre Buncrana, Shore Road, Buncrana, Co. Donegal, F93 
ND23. 
71240U 
Finn Valley College, Stranorlar, Co. Donegal, F93 AE27. 
10  [71] 
 
71241W


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string_value:
ND23. 
71240U 
Finn Valley College, Stranorlar, Co. Donegal, F93 AE27. 
10  [71] 
 
71241W 
St. Catherine's Vocational School, Killybegs, Co. Donegal, F94 
A004. 
DUBLIN   
70030E 
Blackrock Further Education Institute (BFEI), Main Street, 
Blackrock, Co. Dublin, A94 X383. 
70041J 
Collinstown Park Community College, Rowlagh, Clondalkin, 
Dublin 22, D22 X458. 
70040H 
Deansrath Community College, Westbourne Rise, Clondalkin, 
Dublin 22, D22 RY77.  
70050K


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string_value:
70040H 
Deansrath Community College, Westbourne Rise, Clondalkin, 
Dublin 22, D22 RY77.  
70050K 
Dún Laoghaire Further Education Institute (DFEI), 17 Cumberland 
Street, Dún Laoghaire, Co. Dublin, A96 EP44. 
70070Q 
Dundrum College of Further Education, Main Street, Dundrum, 
Dublin 14, D14 HD83. 
70020B 
Grange Community College, Grange Abbey Road, Donaghmede, 
Dublin 13, D13 NX25. 
70130I 
Greenhills Community College, Limekiln Avenue, Greenhills, 
Dublin 12, D12 DP8W. 
70090W


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string_value:
70130I 
Greenhills Community College, Limekiln Avenue, Greenhills, 
Dublin 12, D12 DP8W. 
70090W 
Sallynoggin College of Further Education, Pearse Street, 
Sallynoggin, Co. Dublin, A96 KV84. 
70110C 
Stillorgan College of Further Education, Old Dublin Road, 
Stillorgan, Co. Dublin, A94 P861.  
91318U 
The Donahies Community School, Streamville Road, Dublin 13, 
D13 YN77. 
DUBLIN CITY 
70290H 
Ballsbridge College of Further Education, Shelbourne Road, Dublin 
4, D04 R201. 
70342A


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string_value:
70290H 
Ballsbridge College of Further Education, Shelbourne Road, Dublin 
4, D04 R201. 
70342A 
Ballyfermot College of Further Education, Ballyfermot Road, 
Dublin 10, D10 TX46. 
76094O 
Coláiste Dhulaigh College of Further Education, Clonshaugh Road, 
Coolock, Dublin 17, D17 KH66. 
70190D 
Coláiste Ide College of Further Education, Cardiffsbridge Road, 
Finglas, Dublin 11, D11 N402. 
70170U 
Crumlin College of Further Education, Crumlin Rd, Dublin 12, D12 
K5CE. 
70220J


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string_value:
70170U 
Crumlin College of Further Education, Crumlin Rd, Dublin 12, D12 
K5CE. 
70220J 
Inchicore College of Further Education, Emmet Road, Dublin 8, D08 
PX93. 
70230M 
Killester College, Cathal Brugha Street, Dublin 1, D01 X8V0. 
70340T 
Liberties College, Bull Alley Street, Liberties, Dublin 8, D08 A8NO.  
70300H 
Pearse College, Clogher Road, Crumlin, Dublin 12, D12 CR22. 
70310K 
Plunket College, Swords Road, Whitehall, Dublin 9, D09 C94K. 
[71]  11 
 
70280E


key: chroma:document
string_value:
70310K 
Plunket College, Swords Road, Whitehall, Dublin 9, D09 C94K. 
[71]  11 
 
70280E 
Rathmines College of Further Education, Town Hall, Rathmines, 
Dublin 6, D06 A215. 
70320N 
Whitehall College of Further Education, Mobhi Road, Glasnevin, 
Dublin 9, D09 XP65. 
n/a 
City of Dublin FET College Central Campus, Ballsbridge, 
Shelbourne Road, Dublin 4, D04 R201. 
n/a 
City of Dublin FET College Southwest Campus, Ballyfermot, 
Ballyfermot Rd, Dublin 10, D10 TX46. 
n/a


key: chroma:document
string_value:
Ballyfermot Rd, Dublin 10, D10 TX46. 
n/a 
City of Dublin FET College Northeast Campus, Dhulaigh, 
Barryscourt Rd, Dublin 17, D17 KH66. 
n/a 
City of Dublin FET College Northwest Campus, Finglas, Íde, Dublin 
11, D11 N402. 
n/a 
City of Dublin FET College Southwest Campus, Crumlin, Crumlin 
Rd, Dublin 12, D12 K5CE. 
n/a 
City of Dublin FET College Southwest Campus, Inchicore, Dublin 
8, D08 PX93. 
n/a 
City of Dublin FET College Central Campus, Cathal Brugha, Dublin 
1, D01 X8V0. 
n/a


key: chroma:document
string_value:
n/a 
City of Dublin FET College Central Campus, Cathal Brugha, Dublin 
1, D01 X8V0. 
n/a 
City of Dublin FET College Central Campus, Liberties, Dublin 8, 
D08 A8NO. 
n/a 
City of Dublin FET College Southwest Campus, Pearse, Dublin 12, 
D12 CR22. 
n/a  
City of Dublin FET College Northeast Campus, Plunkett, Dublin 9, 
D09 C94K. 
n/a 
City of Dublin FET College Central Campus, Rathmines, Dublin 6, 
D06 A215. 
n/a 
City of Dublin FET College Northeast Campus, Whitehall, Mobhi


key: chroma:document
string_value:
D06 A215. 
n/a 
City of Dublin FET College Northeast Campus, Whitehall, Mobhi 
Rd, Dublin 9, D09 XP65. 
GALWAY 
n/a 
Athenry FET Centre, Station Road, Athenry, Co. Galway, H65 
X051.  
n/a 
Ballinasloe College of Further Education, Sarsfield Road, 
Ballinasloe, Co. Galway, H53 A5F1. 
71270G 
Clarin College, Athenry, Co. Galway, H65 KC65. 
71290M 
Coláiste an Chreagáin, Mountbellew, Co. Galway, H53 XT54 
62900M 
Coláiste Mhuire, Ballygar, Co. Galway, F42 D265.  
n/a


key: chroma:document
string_value:
62900M 
Coláiste Mhuire, Ballygar, Co. Galway, F42 D265.  
n/a 
FET Centre Camp Street, Oughterard, Co. Galway, H91ADW7.  
n/a 
FET Centre Dunmore, High St, Dunmore, Co. Galway, H54 Y827. 
n/a 
FET Centre Letterfrack, Co. Galway, H91 FY9W. 
12  [71] 
 
n/a 
FET Centre Rosmuc, Glinn Chata, Ros Muc, Co. na Gaillimhe, H91 
K761.  
n/a     
FET Centre Tuam, Airglooney House, Ballygaddy Road, Tuam, Co. 
Galway, H54 C597. 
n/a 
FET Centre Tuam Road, Galway, H91 Y8C2. 
71400Q


key: chroma:document
string_value:
Galway, H54 C597. 
n/a 
FET Centre Tuam Road, Galway, H91 Y8C2. 
71400Q 
Galway Community College, Moneenageisha, Galway, H91 K642. 
71340B 
Galway Technical Institute, Father Griffin Road, The Claddagh, 
Galway, H91 KA49. 
91514U  
Glenamaddy Community School, Church Street, Glenamaddy, Co. 
Galway, F45 KF50. 
n/a 
Gort Education and Training Centre, Ennis Road, Gort, Co. Galway, 
H91 W443.  
n/a 
GRETB Training Centre, Mervue Business Park, Tuam Road, 
Galway, H91 CDW6.  
n/a


key: chroma:document
string_value:
H91 W443.  
n/a 
GRETB Training Centre, Mervue Business Park, Tuam Road, 
Galway, H91 CDW6.  
n/a 
Moycullen FET Centre, An Fuarán, Moycullen, Co. Galway, H91 
PXK4.   
n/a 
Tuam Further Education and Training Centre, Weir Road, Tuam, 
Co. Galway, H54 X938.  
n/a 
Loughrea Further Education and Training Centre, Abbey Street, 
Loughrea, Co. Galway, H62 T262.  
KERRY 
n/a 
Kerry College of Further Education and Training - Clash Road 
Campus, Clash Road, Tralee, Co. Kerry V92 Y991. 
n/a


key: chroma:document
string_value:
Campus, Clash Road, Tralee, Co. Kerry V92 Y991. 
n/a 
Kerry College of Further Education and Training - Denny Street 
Campus, 5-8 Denny Street, Tralee, Co. Kerry, V92 Y751. 
n/a 
Kerry College of Further Education and Training - Killorglin 
Campus, Caragh Lake, Killorglin, Co. Kerry, V93 EY00.  
n/a 
Kerry College of Further Education and Training - Listowel 
Campus, Unit 1, Listowel Business Development Centre, Listowel 
Business Park, Clieveragh, Listowel, Co. Kerry, V31 PC79. 
n/a


key: chroma:document
string_value:
Business Park, Clieveragh, Listowel, Co. Kerry, V31 PC79. 
n/a 
Kerry College of Further Education and Training - Monavalley 
Campus, Monavalley Industrial Estate, Tralee, Co. Kerry, V92 
PW50. 
KILDARE 
70680U 
St. Conleth's Community College, Station Road, Newbridge, Co. 
Kildare, W12 C432. 
KILKENNY   
70610W 
Kilkenny City Vocational School, Ormonde Road, Kilkenny, R95 
W2XN.  
n/a 
Kilkenny College of Further Education and Training, Ormonde 
Road, Kilkenny, R95 W2XN.  
[71]  13 
 
LAOIS


key: chroma:document
string_value:
Road, Kilkenny, R95 W2XN.  
[71]  13 
 
LAOIS 
n/a 
Abbeyleix Further Education and Training Centre, Mountrath Road, 
Abbeyleix, Co. Laois, R32 TX30. 
n/a 
Portarlington Further Education and Training Centre, 12 Bracklone 
Street, Portarlington, Co. Laois, R32 FX49. 
n/a 
Portlaoise Further Education and Training Centre, Ridge Road, 
Portlaoise, Co. Laois, R32 NN82. 
71510A 
Portlaoise 
Institute 
(Portlaoise 
College), Mountrath 
Road, 
Portlaoise, Co. Laois, R32 N795. 
LEITRIM 
71570S


key: chroma:document
string_value:
(Portlaoise 
College), Mountrath 
Road, 
Portlaoise, Co. Laois, R32 N795. 
LEITRIM 
71570S 
Drumshanbo Vocational School, Drumshanbo, Co. Leitrim, N41 
D623. 
71530G 
Leitrim College of Further Education and Training, Carrick-on-
Shannon, Co. Leitrim, N41 YY68. 
71560P 
Lough Allen College, Drumkeerin, Co. Leitrim, N41 XT98. 
LIMERICK   
64250J     Coláiste Nano Nagle (Central College Limerick), Sexton St. 
Limerick, V94 WP48. 
71840V 
Coláiste Chiaráin, Croom, Co.Limerick, V35 W727. 
n/a


key: chroma:document
string_value:
Limerick, V94 WP48. 
71840V 
Coláiste Chiaráin, Croom, Co.Limerick, V35 W727. 
n/a 
College of Further Education and Training - Croom Campus, High 
Street, Croom, Co. Limerick, V35 W727. 
n/a 
College of Further Education and Training - Mulgrave St Campus, 
Mulgrave Street, Limerick, V94 P232.  
n/a 
College of Further Education and Training - Newcastle West 
Campus, Station Road, Newcastle West, Limerick, V42 NW80. 
n/a 
College of Further Education and Training - Raheen Campus,


key: chroma:document
string_value:
n/a 
College of Further Education and Training - Raheen Campus, 
Raheen Business Park, Raheen, Limerick City, V94 CV66. 
71930W 
Limerick College of Further Education, Mulgrave St., Limerick, 
V94 P232. 
LONGFORD 
71730O 
Templemichael College, Templemichael, Longford, N39 DA02. 
LOUTH 
71760A 
Drogheda Institute of Further Education, The Twenties, Drogheda, 
Co. Louth, A92 V586. 
71770D 
O'Fiaich College, Hoey's Lane, Dublin Rd, Dundalk, Co. Louth, A91 
WK75. 
MAYO   
72160E


key: chroma:document
string_value:
71770D 
O'Fiaich College, Hoey's Lane, Dublin Rd, Dundalk, Co. Louth, A91 
WK75. 
MAYO   
72160E  
Mayo College of Further Education and Training, Newtown, 
Castlebar, Co. Mayo, F23 EW84  
 
14  [71] 
 
MEATH 
76374U 
Dunboyne College of Further Education, Dunboyne Business Park, 
Dunboyne, Co. Meath, A86 FH01. 
MONAGHAN   
76095Q 
Monaghan Institute, Education Campus, Armagh Road, Monaghan, 
H18 FY94. 
OFFALY 
n/a 
Birr Further Education and Training Centre, Townsend Street, Birr,


key: chroma:document
string_value:
H18 FY94. 
OFFALY 
n/a 
Birr Further Education and Training Centre, Townsend Street, Birr, 
Co. Offaly, R42 W902 
n/a 
Edenderry Further Education and Training Centre, St. Mary's Road, 
Edenderry, Co. Offaly, R45 H427 
72560U 
Tullamore College, Riverside, Tullamore, Co. Offaly, R35 XC66.  
n/a 
Tullamore Further Education and Training Centre, Castle Buildings, 
Tara Street, Tullamore, Co. Offaly, R35 E9K8. 
ROSCOMMON 
n/a 
GRETB Further Education & Training Centre, Lower Marion Road,


key: chroma:document
string_value:
ROSCOMMON 
n/a 
GRETB Further Education & Training Centre, Lower Marion Road, 
Boyle, Co. Roscommon, F52 X580. 
n/a 
GRETB Further Education & Training Centre, Patrick Street, 
Castlerea, Co. Roscommon, F45 X431. 
n/a 
FET Centre Roscommon, Lanesboro Street, Roscommon Town, F42 
NA72.  
SLIGO 
72360M 
Ballinode College, Clarion Road, Ballinode, Sligo, F91 DY66.  
65150K 
Jesus and Mary Secondary School, Enniscrone, Co. Sligo, F26 
WR83. 
72350J


key: chroma:document
string_value:
65150K 
Jesus and Mary Secondary School, Enniscrone, Co. Sligo, F26 
WR83. 
72350J 
Sligo College of Further Education and Training, Tubbercurry, Co. 
Sligo, F91 X883. 
TIPPERARY  
72420E 
Central Technical Institute, The Mall, Clonmel. Co. Tipperary, E91 
K2E2. 
n/a 
Coláiste Éile, Railway Road, Thurles, Co. Tipperary, E41 K033. 
72490C 
Coláiste Mhuire Co-Ed, Castlemeadows, Thurles, Co. Tipperary, 
E41 W678. 
76069P 
Coláiste Phobal Ros Cré, Corville Road, Roscrea, Co. Tipperary, 
E53 V449.


key: chroma:document
string_value:
E41 W678. 
76069P 
Coláiste Phobal Ros Cré, Corville Road, Roscrea, Co. Tipperary, 
E53 V449. 
n/a 
Tipperary Community Services Centre, Michael Street, Tipperary 
Town, Co. Tipperary E34 KI56 
72440K 
Nenagh College of Further Education, Dromin Road, Nenagh, Co. 
Tipperary,  E45 VF51. 
[71]  15 
 
72480W 
St. Ailbe's Secondary School, Rosanna Road, Tipperary Town, Co. 
Tipperary, E34 H596. 
72470T 
Templemore 
College 
of 
Further 
Education, 
Richmond, 
Templemore, Co. Tipperary, E41 FF98.


key: chroma:document
string_value:
Templemore 
College 
of 
Further 
Education, 
Richmond, 
Templemore, Co. Tipperary, E41 FF98. 
WATERFORD   
72220T 
Dungarvan College, Youghal Road, Dungarvan, Co. Waterford, X35 
PV34. 
72240C 
Waterford College of Further Education, Parnell Street, Waterford, 
X91 VKT9.  
WESTMEATH 
91501L 
Moate Business College (Community School), Lake Road, Moate, 
Co. Westmeath, N37 WK44.  
71450I 
Mullingar Community College, Millmount Road, Mullingar, Co 
Westmeath, N91 TC59. 
WEXFORD 
71650Q


key: chroma:document
string_value:
Mullingar Community College, Millmount Road, Mullingar, Co 
Westmeath, N91 TC59. 
WEXFORD 
71650Q 
Coláiste an Átha, Kilmuckridge, Gorey, Co. Wexford, Y25 C952. 
71630K 
Enniscorthy Community College, Milehouse Road, Enniscorthy, 
Co. Wexford, Y21 YX56. 
91492N 
Gorey Community School, Gorey, Co. Wexford, Y25 YX29.  
71680C 
Selskar College, Westgate, Wexford, Y35 RY27. 
WICKLOW 
70770V 
Bray Institute of Further Education (St. Thomas' Community


key: chroma:document
string_value:
WICKLOW 
70770V 
Bray Institute of Further Education (St. Thomas' Community 
College), Novara Ave, Bray, Co. Wicklow, A98 ND89. 
 
 
 
16  [71] 
 
Regulations 3 and 4. 
SCHEDULE 2 
Approved institutions and courses 
PART A 
National College of Art & Design, Dublin  
National College of Ireland, Dublin  
Marino Institute of Education, Dublin  
Mary Immaculate College, Limerick 
 
PART B 
Pontifical University of Maynooth 
In respect of the following undergraduate courses: 
—


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string_value:
PART B 
Pontifical University of Maynooth 
In respect of the following undergraduate courses: 
— 
Hons. Bachelor’s Degree in Theology [3 years] 
— 
Hons. Bachelor Degree in Theology and Arts [3 years] 
— 
Hons. Bachelor Degree in Theology & Arts International [4 years]  
 
In respect of the following postgraduate courses: 
— 
MA Degree in Theology [1 year] 
— 
MA Degree in Theology [2 years] 
— 
Doctoral Degree of PhD in Theology [3 years] 
 
Carlow College (St. Patrick’s)


key: chroma:document
string_value:
— 
Doctoral Degree of PhD in Theology [3 years] 
 
Carlow College (St. Patrick’s) 
In respect of the following undergraduate courses: 
— 
BA (Ordinary) in Applied Social Studies (Professional Social Care) 
[3 years] 
— 
BA (Hons) in Applied Social Studies (Professional Social Care) [1 year 
add-on] 
— 
BA (Ordinary) in Arts and Humanities [3 years] 
— 
BA (Hons) in Arts and Humanities [4 years] 
— 
BA (Hons) in Social, Political and Community Studies [4 years] 
—


key: chroma:document
string_value:
— 
BA (Hons) in Social, Political and Community Studies [4 years] 
— 
BA (Hons) in English and History [4 years]  
 
In respect of the following postgraduate courses: 
— 
MA English by Research [2 years] 
— 
MA Philosophy by Research [2 years] 
— 
MA History by Research [2 years] 
[71]  17 
 
— 
MA Religion/Theology by Research [2 years] 
  
Royal College of Surgeons in Ireland 
In respect of the following undergraduate courses: 
— 
MB, BCh, BAO (LRCP, SI) [5 years] 
—


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string_value:
In respect of the following undergraduate courses: 
— 
MB, BCh, BAO (LRCP, SI) [5 years] 
— 
MB, BCh, BAO (LRCP, SI) [6 years] 
— 
BSc (Hons) in Pharmacy [4 years] 
— 
BSc (Hons) in Physiotherapy [4 years] 
— 
BSc (Hons) in Advanced Therapeutic Technologies [4 years]  
 
In respect of the following postgraduate courses: 
— 
Doctor of Philosophy (PhD) [4 years] 
— 
Medical Doctorate (MD) [2 years] 
— 
MSc by Research [2 years] 
— 
Master of Pharmacy (M Pharm) [1 year] 
—


key: chroma:document
string_value:
— 
MSc by Research [2 years] 
— 
Master of Pharmacy (M Pharm) [1 year] 
— 
MSc in Technologies and Analytics in Precision Medicine [1 year] 
— 
Bachelor of Dental Surgery  [5 years] 
— 
MSc Physician Associate Studies [2 years] 
— 
Master of Surgery (by Module) [1 year] 
 
The Honorable Society of Kings Inns 
In respect of the following postgraduate course: 
— 
Barrister-at-Law Degree (1 year) 
 
The Law Society of Ireland, Blackhall Place 
In respect of the following postgraduate course: 
—


key: chroma:document
string_value:
The Law Society of Ireland, Blackhall Place 
In respect of the following postgraduate course: 
— 
Professional Practice Course (PPC) [1 year full-time campus attendance] 
  
 
 
18  [71] 
 
PART C 
 
CARLOW 
Carlow Institute of Further Education and Training 
In respect of year 1 of the following courses: 
— 
BSc in Applied Health Care 
— 
BBs in Tourism and Hospitality Services 
 
CAVAN 
Cavan Institute 
In respect of year 1 of the following courses: 
— 
BA (Hons) in Social Care Practice 
—


key: chroma:document
string_value:
In respect of year 1 of the following courses: 
— 
BA (Hons) in Social Care Practice 
— 
BSc (Hons) in Software and Technology 
 
CLARE 
College of Further Education and Training, Ennis Campus 
In respect of year 1 of the following course: 
— 
BB (Hons) in Business 
 
CORK 
Morrison's Island Campus, Cork College of FET 
In respect of year 1 of the following courses: 
— 
BSc (Hons) in General Nursing 
— 
BSc (Hons) in Mental Health Nursing 
— 
BSc (Hons) in Occupational Therapy 
—


key: chroma:document
string_value:
— 
BSc (Hons) in Mental Health Nursing 
— 
BSc (Hons) in Occupational Therapy 
— 
Bachelor of Social Work (Hons) 
 
Mallow Campus, Cork College of FET 
In respect of year 1 of the following course: 
— 
BSc (Hons) in Mental Health Nursing 
 
Cork College of FET, Life Sciences Centre 
In respect of year 1 of the following course: 
— 
BSc in Process Manufacturing Practice & Technology 
 
[71]  19 
 
Douglas Street Campus, Cork College of FET 
In respect of years 1 and 2 of the following course:


key: chroma:document
string_value:
Douglas Street Campus, Cork College of FET 
In respect of years 1 and 2 of the following course: 
— 
BA (Hons) in Animation, Visual Effects and Motion Design 
 
DONEGAL 
Donegal ETB, FET Centre 
In respect of year 1 of the following courses: 
— 
BSc (Hons) in General Nursing  
— 
BSc (Hons) in Software & Technology 
 
DUBLIN 
City of Dublin ETB  
City of Dublin, FET College Central Campus 
In respect of year 1 of the following courses: 
— 
BSc (Hons) in Mental Health Nursing 
—


key: chroma:document
string_value:
In respect of year 1 of the following courses: 
— 
BSc (Hons) in Mental Health Nursing 
— 
BSc (Hons) in Intellectual Disability Nursing 
 
In respect of years 1 and 2 of the following courses: 
— 
BA (Hons) in Digital and Business Skills 
— 
BBs (Hons) in Business and Psychology 
— 
BA (Hons) in Politics, Society and Media 
 
City of Dublin, FET College Northeast Campus 
In respect of year 1 of the following courses: 
— 
BSc (Hons) in Intellectual Disability Nursing 
—


key: chroma:document
string_value:
— 
BSc (Hons) in Intellectual Disability Nursing 
— 
BSc (Hons) in Mental Health Nursing 
 
City of Dublin, FET College Southwest Campus 
In respect of year 1 of the following course: 
— 
BSc (Hons) Radiography 
 
In respect of years 1 and 2 of the following courses: 
— 
BBs (Hons) in Business and Psychology 
— 
BA (Hons) in Immersive Media Production 
— 
BA (Hons) in Politics, Society and Media 
20  [71] 
 
Dublin and Dun Laoghaire ETB 
Blackrock Further Education Institute


key: chroma:document
string_value:
20  [71] 
 
Dublin and Dun Laoghaire ETB 
Blackrock Further Education Institute 
In respect of years 1 and 2 of the following course: 
— 
BA (Hons) in Politics, Society and Media 
 
Collinstown Park Community College 
In respect of year 1 of the following courses: 
— 
BSc (Hons) in Mental Health Nursing 
— 
BSc (Hons) Radiography 
 
In respect of years 1 and 2 of the following course: 
— 
BSc (Hons) in Network Systems Engineering 
 
Dundrum College of Further Education


key: chroma:document
string_value:
— 
BSc (Hons) in Network Systems Engineering 
 
Dundrum College of Further Education 
In respect of year 1 of the following course: 
— 
BSc (Hons) Radiography 
 
In respect of years 1 and 2 of the following course: 
— 
BSc (Hons) in Network Systems Engineering 
 
Dun Laoghaire Further Education Institute 
In respect of year 1 of the following courses: 
— 
BSc (Hons) in Intellectual Disability Nursing 
— 
BSc (Hons) in Mental Health Nursing 
— 
BSc (Hons) Radiography


key: chroma:document
string_value:
— 
BSc (Hons) in Mental Health Nursing 
— 
BSc (Hons) Radiography 
 
In respect of years 1 and 2 of the following course: 
— 
BSc (Hons) in Network Systems Engineering 
 
Grange Community College 
In respect of year 1 of the following course: 
— 
BSc (Hons) Radiography 
 
 
 
[71]  21 
 
Greenhills Community College 
In respect of year 1 of the following courses: 
— 
BSc (Hons) in Intellectual Disability Nursing 
— 
BSc (Hons) Radiography 
 
In respect of years 1 and 2 of the following course:


key: chroma:document
string_value:
— 
BSc (Hons) Radiography 
 
In respect of years 1 and 2 of the following course: 
— 
BSc (Hons) in Network Systems Engineering 
 
GALWAY 
Galway Technical Institute 
In respect of year 1 of the following course: 
— 
BSc (Hons) in Software & Technology 
 
 
KERRY 
Kerry College of Further Education and Training, Denny Street Campus 
In respect of year 1 of the following courses: 
— 
BSc (Hons) in General Nursing 
— 
BSc (Hons) in Mental Health Nursing 
— 
BSc (Hons) in Occupational Therapy


key: chroma:document
string_value:
— 
BSc (Hons) in Mental Health Nursing 
— 
BSc (Hons) in Occupational Therapy 
 
Kerry College of Further Education and Training, Listowel Campus 
In respect of year 1 of the following course: 
— 
BSc (Hons) in General Nursing 
 
Kerry College of Further Education and Training, Clash Road Campus 
In respect of years 1 and 2 of the following course: 
— 
BA (Hons) in Animation, Visual Effects and Motion Design 
 
KILKENNY 
Kilkenny College of Further Education and Training


key: chroma:document
string_value:
KILKENNY 
Kilkenny College of Further Education and Training  
In respect of year 1 of the following courses: 
— 
BSc (Hons) in Information Technology Management 
— 
BSc (Hons) in Public Health and Health Promotion 
 
 
 
22  [71] 
 
LAOIS 
Portlaoise Institute 
In respect of year 1 of the following courses: 
— 
Bachelor of Business (Hons) 
— 
BSc (Hons) in Software Development 
— 
BSc (Hons) in Information Technology Management 
 
LIMERICK


key: chroma:document
string_value:
BSc (Hons) in Software Development 
— 
BSc (Hons) in Information Technology Management 
 
LIMERICK 
College of Further Education and Training, Mulgrave St Campus 
In respect of year 1 of the following courses: 
— 
Bachelor of Business (Hons) 
— 
BA(Hons) in Business Studies with Beauty and Spa Management 
— 
BSc (Hons) in Mobile & Web Computing  
 
MAYO 
Mayo College of Further Education and Training 
In respect of year 1 of the following course: 
— 
BSc (Hons) in Software & Technology


key: chroma:document
string_value:
In respect of year 1 of the following course: 
— 
BSc (Hons) in Software & Technology 
 
MEATH 
Dunboyne College of Further Education 
In respect of year 1 of the following course: 
— 
Bachelor of Agricultural Science (Hons) 
 
SLIGO 
Ballinode College 
In respect of year 1 of the following courses: 
— 
BSc (Hons) in General Nursing  
— 
BSc (Hons) in Sustainable Engineering Technologies 
 
ROSCOMMON 
GRETB Further Education and Training Centre 
In respect of year 1 of the following course: 
—


key: chroma:document
string_value:
GRETB Further Education and Training Centre 
In respect of year 1 of the following course: 
— 
BSc (Hons) in General Nursing 
 
[71]  23 
 
TIPPERARY 
Central Technical Institute 
In respect of year 1 of the following course: 
— 
BSc (Hons) in Digital Arts (Common Entry)  
 
Coláiste Mhuire Co-Ed 
In respect of year 1 of the following course: 
— 
BSc (Hons) in Applied Sports Science (Common Entry) 
 
WATERFORD 
Dungarvan College 
In respect of year 1 of the following course: 
—


key: chroma:document
string_value:
WATERFORD 
Dungarvan College 
In respect of year 1 of the following course: 
— 
Bachelor of Business 
 
WEXFORD 
Gorey Community College 
In respect of years 1 and 2 of the following course: 
— 
BA (Hons) in Immersive Media Production 
 
WICKLOW 
Bray Institute of Further Education 
In respect of years 1 and 2 of the following courses: 
— 
BBs (Hons) in Business and Psychology 
— 
BA (Hons) in Immersive Media Production 
 
 
24  [71] 
 
PART D 
Atlantic Technological University


key: chroma:document
string_value:
BA (Hons) in Immersive Media Production 
 
 
24  [71] 
 
PART D 
Atlantic Technological University 
In respect of years 2, 3, and 4 of the following courses: 
— 
BSc (Hons) in Sustainable Engineering Technologies 
— 
BSc (Hons) in Software & Technology 
— 
BA (Hons) in Social Care Practice 
 
In respect of years 2, 3, 4, and 5 of the following course: 
— 
BSc (Hons) in General Nursing 
 
Institute of Art Design and Technology, Dun Laoghaire


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— 
BSc (Hons) in General Nursing 
 
Institute of Art Design and Technology, Dun Laoghaire 
In respect of years 3 and 4 of the following courses: 
— 
BA (Hons) in Immersive Media Production 
— 
BBs (Hons) in Business and Psychology 
 
Munster Technological University 
In respect of years 2, 3, 4, and 5 of the following courses: 
— 
BSc (Hons) in General Nursing 
— 
BSc (Hons) in Mental Health Nursing 
 
In respect of years 2 and 3 of the following course: 
—


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— 
BSc (Hons) in Mental Health Nursing 
 
In respect of years 2 and 3 of the following course: 
— 
BSc in Process Manufacturing Practice & Technology 
 
In respect of years 3 and 4 of the following course: 
— 
BA (Hons) in Animation, Visual Effects and Motion Design 
 
National College of Ireland  
In respect of years 3 and 4 of the following course: 
— 
BA (Hons) in Digital and Business Skills 
 
South East Technological University 
In respect of years 2 and 3 of the following courses: 
—


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South East Technological University 
In respect of years 2 and 3 of the following courses: 
— 
BBs in Tourism and Hospitality Services 
— 
BSc in Applied Health Care 
— 
Bachelor of Business 
[71]  25 
 
In respect of years 2, 3, and 4 of the following courses: 
— 
BSc (Hons) in Public Health and Health Promotion 
— 
Bachelor of Business (Hons) 
— 
BSc (Hons) in Software Development 
— 
BSc (Hons) in Information Technology Management 
 
Technological University Dublin


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— 
BSc (Hons) in Information Technology Management 
 
Technological University Dublin 
In respect of years 3 and 4 of the following courses: 
— 
BA (Hons) Politics, Society and Media 
— 
BSc (Hons) in Network Systems Engineering 
 
 
Technological University of the Shannon 
In respect of years 2, 3, and 4 of the following courses: 
— 
BB (Hons) in Business 
— 
BA (Hons) in Business Studies with Beauty and Spa Management 
— 
BSc (Hons) in Mobile & Web Computing 
—


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— 
BSc (Hons) in Mobile & Web Computing 
— 
BSc (Hons) in Digital Arts (Common Entry) 
— 
BSc (Hons) in Applied Sports Science (Common Entry)  
 
Trinity College Dublin 
In respect of years 2, 3, 4, and 5 of the following courses: 
— 
BSc (Hons) in Mental Health Nursing 
— 
BSc (Hons) in Intellectual Disability Nursing 
 
University College Cork 
In respect of years 2, 3, and 4 of the following course: 
— 
Bachelor of Social Work (Hons)


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In respect of years 2, 3, and 4 of the following course: 
— 
Bachelor of Social Work (Hons) 
 
In respect of years 2, 3, 4, and 5 of the following course: 
— 
BSc (Hons) in Occupational Therapy 
 
 
 
26  [71] 
 
University College Dublin 
In respect of years 2, 3, 4, and 5 of the following courses: 
— 
Bachelor of Agricultural Science (Hons) 
— 
BSc (Hons) Radiography 
 
 
[71]  27 
 
Regulation 4. 
SCHEDULE 3 
Approved Postgraduate Courses in Northern Ireland 
 
Queen’s University, Belfast


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SCHEDULE 3 
Approved Postgraduate Courses in Northern Ireland 
 
Queen’s University, Belfast 
Full-time postgraduate course of not less than one year duration 
 
University of Ulster 
Full-time postgraduate course of not less than one year duration 
 
St Mary’s College of Education, Belfast 
Postgraduate Certificate in Education (Irish Medium) 
 
Stranmillis College, Belfast 
Postgraduate Certificate in Education 
  
 
 
28  [71]


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Stranmillis College, Belfast 
Postgraduate Certificate in Education 
  
 
 
28  [71] 
 
The Minister for Public Expenditure, National Development Plan Delivery and 
Reform consents to the making of the foregoing Regulations. 
 
 
 
 
GIVEN under the Official Seal of the Minister for Public 
Expenditure, National Development Plan Delivery and 
Reform, 
6 March, 2025. 
 
JACK CHAMBERS, 
Minister for Public Expenditure, National Development 
Plan Delivery and Reform.


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Minister for Public Expenditure, National Development 
Plan Delivery and Reform. 
 
 
 
 
 
GIVEN under my Official Seal, 
6 March, 2025. 
 
JAMES LAWLESS, 
Minister for Further and Higher Education, Research, 
Innovation and Science. 
 
 
 
[71]  29 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100


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CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 6.50   
 
 
 
 
 
 
 
 
(HEEA-36) 30. 3/25. Propylon.


key: chroma:document
string_value:
STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 93 of 2025 
 
 
 
 
________________ 
 
 
 
 
NATIONAL TRANSPORT AUTHORITY (PUBLIC PASSENGER 
TRANSPORT SERVICES) (AMENDMENT) BYE-LAWS 2025 
 
 
 
2  [93] 
S.I. No. 93 of 2025 
 
NATIONAL TRANSPORT AUTHORITY (PUBLIC PASSENGER 
TRANSPORT SERVICES) (AMENDMENT) BYE-LAWS 2025 
 
The National Transport Authority, having obtained the prior written consent of 
the Minister for Transport, in accordance with Section 56A(8) of the Dublin


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the Minister for Transport, in accordance with Section 56A(8) of the Dublin 
Transport Authority Act 2008 (No. 15 of 2008) to the making of these Bye-laws, 
in exercise of the powers conferred on it by Section 56A of the Dublin Transport 
Authority Act 2008, hereby makes the following Bye-laws. 
1. (1) These Bye-laws may be cited as the National Transport Authority 
(Public Passenger Transport Services) (Amendment) Bye-laws 2025.


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(Public Passenger Transport Services) (Amendment) Bye-laws 2025. 
(2) The Principal Bye-laws and these bye-laws may be cited together as the 
National Transport Authority (Public Passenger Transport Services) Bye-laws 
2019 and 2025. 
(3) These Bye-laws shall come into operation on [  •  ] 2025. 
 
2. 
In these Bye-laws “Principal Bye-laws” means the National Transport 
Authority (Public Passenger Transport Services) Bye-laws 2019 (S.I. No. 273 of 
2019).


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Authority (Public Passenger Transport Services) Bye-laws 2019 (S.I. No. 273 of 
2019). 
 
3. (1) Bye-law 2 of the Principal Bye-laws is amended in subparagraph (1) 
by inserting the following after the definition of “Leap Card”: 
““omnibus” has the same meaning as it has in Section 3 of the Road Traffic Act 
1961 (No. 24 of 1961);”. 
(2) Bye-law 7 of the Principal Bye-laws is amended by substituting the 
following: 
“7. 
A person (with the exception of a responsible person) shall not board or


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following: 
“7. 
A person (with the exception of a responsible person) shall not board or 
alight from, or attempt to board or alight from a vehicle while it is in motion or, 
(a) 
in the case of an omnibus on a route or portion of a route on 
which there are stands or stopping places, between bus stops; or 
(b) 
in the case of any vehicle other than an omnibus on a route or 
portion of a route on which there are stands or stopping places,


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portion of a route on which there are stands or stopping places, 
between places identified by the driver as a departure point or 
destination point for that person’s trip.”. 
(3) Bye-law 31 of the Principal Bye-laws is amended by substituting the 
following for paragraph (1): 
“(1) 
A person shall not by signal or other indication cause the driver of a 
vehicle to stop the vehicle except for the purpose of enabling that person to 
board, or to alight from, the vehicle, 
(a)


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board, or to alight from, the vehicle, 
(a) 
in the case of an omnibus on a route or portion of a route on 
which there are stands or stopping places, at a bus stop; or 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 28th March, 2025. 
[93]  3 
(b) 
in the case of any vehicle other than an omnibus on a route or 
portion of a route on which there are stands or stopping places, 
at a place identified by the driver as a departure point or


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at a place identified by the driver as a departure point or 
destination point for that person’s trip.”. 
 
 
 
 
 
 
 
 
 
GIVEN under the Seal of the National Transport Authority, 
25 March, 2025. 
 
BRIAN MCCORMICK , 
Board Member, National Transport Authority. 
 
 
 
4  [93] 
EXPLANATORY NOTE 
 
(This note is not part of the Instrument and does not purport to be a legal 
interpretation.) 
 
These Bye-laws apply to bus services provided by certain bus operators on


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interpretation.) 
 
These Bye-laws apply to bus services provided by certain bus operators on 
behalf of the National Transport Authority and specify the rules for the boarding 
and alighting from a large public service vehicle while it is in motion and the 
rules for signalling or other indications causing the driver of a large public 
service vehicle to stop the large public service vehicle for the purpose of enabling


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service vehicle to stop the large public service vehicle for the purpose of enabling 
a person board, or to alight from, the large public service vehicle that apply to 
omnibus’ on a route or portion of a route on which there are stands or stopping 
places and the rules for all other large public service vehicles. 
 
 
 
[93]  5 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN,


key: chroma:document
string_value:
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 3.00   
 
 
 
 
 
 
 
 
(NTA-19) 30. 3/25. Propylon.


key: chroma:document
string_value:
STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 102 of 2025 
 
 
 
 
________________ 
 
 
 
 
EUROPEAN UNION (PROTOCOL TO THE INTERBUS AGREEMENT) 
REGULATIONS 2025 
 
 
 
2  [102] 
S.I. No. 102 of 2025 
 
EUROPEAN UNION (PROTOCOL TO THE INTERBUS AGREEMENT) 
REGULATIONS 2025 
 
I, DARRAGH O’BRIEN, Minister for Transport, in exercise of the powers 
conferred on me by section 3 of the European Communities Act 1972 (No. 27 of


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conferred on me by section 3 of the European Communities Act 1972 (No. 27 of 
1972) and for the purpose of giving full effect to the Protocol1 to the Agreement 
on the international occasional carriage of passengers by coach and bus (Interbus 
Agreement) regarding the international regular and special regular carriage of 
passengers by coach and bus which entered into force on 1 October 2024 
approved on behalf of the European Communities by Council Decision2 (EU)


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approved on behalf of the European Communities by Council Decision2 (EU) 
2023/911 of 28 September 2021 hereby make the following regulations: 
 
1. 
These Regulations may be cited as the European Union (Protocol to the 
Interbus Agreement) Regulations 2025. 
 
2. (1) In these Regulations: 
“Act of 1986” means the Road Transport Act 1986; 
“Act of 2008” means the Dublin Transport Authority Act 2008; 
“Act of 2011” means the Road Transport Act 2011;


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“Act of 2011” means the Road Transport Act 2011; 
“authorisation” means an authorisation referred to in Article 6(2); 
“authorised inspecting officer” means a person designated under Regulation 4 to 
be an authorised inspecting officer; 
“authorised officer” means an authorised officer within the meaning of the Act 
of 2008; 
“authorising authority” means the body designated in accordance with 
Regulation 3(2)(b) to be the authorising authority;


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Regulation 3(2)(b) to be the authorising authority; 
“Authority” means the National Transport Authority; 
“competent authority” means the body designated under Regulation 3(1), 3(2)(a) 
or 3(3) to be a competent authority; 
“Interbus Agreement” means the Agreement3 on the international occasional 
carriage of passengers by coach and bus (Interbus Agreement) which entered 
into force on 1 January 2003 approved on behalf of the European Communities


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into force on 1 January 2003 approved on behalf of the European Communities 
by Council Decision 2002/917/EC of 3 October 2002;4 
“Minister” means Minister for Transport; 
“Protocol to the Interbus Agreement” means the Protocol1 to the Agreement on 
the international occasional carriage of passengers by coach and bus (Interbus 
 
1 OJ No. L122, 05.05.2023 p.3 
2 OJ No. L 122, 05.05.2023 p.1 
3 OJ No. L321, 26.11.2002, p. 13 
4 OJ No. L321, 26.11.2002, p. 11


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2 OJ No. L 122, 05.05.2023 p.1 
3 OJ No. L321, 26.11.2002, p. 13 
4 OJ No. L321, 26.11.2002, p. 11 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 4th April, 2025. 
[102]  3 
Agreement) regarding the international regular and special regular carriage of 
passengers by coach and bus which entered into force on 1 October 2024; 
“public place” has the meaning assigned to it by the Road Traffic Act 1961;


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“public place” has the meaning assigned to it by the Road Traffic Act 1961; 
“transport officer” means a transport officer within the meaning of, as the case 
may be, the Act of 1986 or the Act of 2011; 
“transport operator” means a transport operator or road passenger transport 
operator referred to in the Protocol to the Interbus Agreement. 
(2) In these Regulations a reference to a numbered Article without 
qualification is to an Article so numbered of the Protocol to the Interbus


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qualification is to an Article so numbered of the Protocol to the Interbus 
Agreement. 
(3) A word or expression which is used in these Regulations and is also used 
in the Protocol to the Interbus Agreement has, unless the contrary intention 
appears, the same meaning in these Regulations that it has in the Protocol to the 
Interbus Agreement. 
 
3. (1) The Authority is designated as the competent authority for the purpose


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3. (1) The Authority is designated as the competent authority for the purpose 
of Article 7, in so far as it applies to Article 9(2) of the Interbus Agreement and 
Article 14, in so far as it relates to Article 9(2) of the Interbus Agreement as so 
applied by Article 7 and these Regulations in so far as they give full effect to 
those Articles. 
(2) The Authority is designated – 
(a) 
as the competent authority for the purpose of Articles 6(2), 8 to


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(a) 
as the competent authority for the purpose of Articles 6(2), 8 to 
13 and 15 and Article 14 in so far as it relates to Articles 6(2), 8 
to 13 and 15 and these Regulations in so far as they give full effect 
to those Articles, and 
(b) 
as the authorising authority for the purpose of Articles 6(2) and 8 
to 12 and these Regulations in so far as they give full effect to 
those Articles. 
(3) The Revenue Commissioners are designated as the competent authority


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those Articles. 
(3) The Revenue Commissioners are designated as the competent authority 
for the purpose of Article 7 insofar as it applies to Article 9 (other than paragraph 
(2)) of the Interbus Agreement, and Article 14, in so far as it relates to Article 9 
(other than paragraph (2)) of the Interbus Agreement as so applied by Article 7 
and these Regulations in so far as they give full effect to those Articles. 
(4) The Authority shall not be required to consider an application for an


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(4) The Authority shall not be required to consider an application for an 
authorisation where – 
(a) 
the form of the application does not comply with Article 9(2), or 
(b) 
the road passenger transport operator applying for the 
authorisation fails to comply with Article 9(3). 
 
4. 
Each of the following persons is designated to be an authorised 
inspecting officer for the purposes of the Protocol to the Interbus Agreement and 
these Regulations: 
(a) 
a member of the Garda Síochána;


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these Regulations: 
(a) 
a member of the Garda Síochána; 
4  [102] 
(b) 
an authorised officer; 
(c) 
a transport officer. 
 
5. (1) A member of the Garda Síochána may – 
(a) 
demand, of a person in charge of a vehicle in a public place which 
the member believes is being used for international regular or 
special regular services, the production to the member for his or 
her inspection of an authorisation, 
(b) 
inspect and make extracts or copies of an authorisation produced


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(b) 
inspect and make extracts or copies of an authorisation produced 
to him or her under paragraph (a). 
(2) Sections 78 and 79 of the Act of 2008 shall apply to an authorised officer 
designated to be an authorised inspecting officer under Regulation 4(b), as they 
apply to an authorised officer appointed under section 78 of the Act of 2008, 
subject to the following and any other necessary modifications: 
(a) 
a reference to an authorised officer in sections 78 and 79 of the


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(a) 
a reference to an authorised officer in sections 78 and 79 of the 
Act of 2008 shall be construed as a reference to an authorised 
inspecting officer; 
(b) 
a reference to a public transport authority or public transport 
operator in sections 78 and 79 of the Act of 2008 shall be 
construed as a reference to a transport operator. 
(3) 
(a) 
Sections 15(2), 16 and 16A of the Act of 1986 shall apply to a 
transport officer within the meaning of the Act of 1986 designated


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transport officer within the meaning of the Act of 1986 designated 
to be an authorised inspecting officer under Regulation 4(c) as 
they apply to a transport officer appointed under section 15 of the 
Act of 1986 subject to the following and any other necessary 
modifications: 
(i) 
a reference to a transport officer in section 15(2), 16 and 
16A of the Act of 1986 shall be construed as a reference to 
an authorised inspecting officer; 
(ii) 
a reference to “road transport” or “road transport


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an authorised inspecting officer; 
(ii) 
a reference to “road transport” or “road transport 
operations” in section 16 or 16A of the Act of 1986 shall be 
construed as a reference to international carriage of 
passengers within the scope of Article 1. 
(b) 
Sections 16 and 17 of the Act of 2011 shall apply to a transport 
officer within the meaning of the Act of 2011 designated to be an 
authorised inspecting officer under Regulation 4(c) as they apply


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string_value:
authorised inspecting officer under Regulation 4(c) as they apply 
to a transport officer appointed under section 16 of the Act of 
2011 subject to the following and any other necessary 
modifications: 
(i) 
a reference to a transport officer in sections 16 and 17 of the 
Act of 2011 shall be construed as a reference to an 
authorised inspecting officer; 
(ii) 
a reference to a road transport operator shall be construed 
as a reference to a transport operator. 
[102]  5 
 
6. 
(a)


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as a reference to a transport operator. 
[102]  5 
 
6. 
(a) 
A person who contravenes Article 5, 8(9), 12(1), 12(2), 12(4), 
13(1), 13(2), 15(1) or 15(2) shall be guilty of an offence. 
(b) 
A person who contravenes Article 9(1) shall be guilty of an 
offence. 
 
7. 
(a) 
A person guilty of an offence under Regulation 6(a) shall be 
liable, on summary conviction, to a class A fine. 
(b) 
A person guilty of an offence under Regulation 6(b) shall be


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(b) 
A person guilty of an offence under Regulation 6(b) shall be 
liable, on summary conviction, to a class B fine. 
 
8. 
A transport operator who, in contravention of Article 8(4) transfers an 
authorisation shall be guilty of an offence and shall be liable – 
(a) 
on summary conviction, to a class A fine, or 
(b) 
on conviction on indictment, to a fine not exceeding €200,000. 
 
9. 
A person who carries passengers in the State by means of international


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9. 
A person who carries passengers in the State by means of international 
regular or special regular services without holding an authorisation, shall be 
guilty of an offence and shall be liable – 
(a) 
on summary conviction, to a class A fine, or 
(b) 
on conviction on indictment, to a fine not exceeding €200,000. 
 
10. A person who in an application for an authorisation provides information 
to the authorising authority knowing it to be false or misleading shall be guilty


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to the authorising authority knowing it to be false or misleading shall be guilty 
of an offence and shall be liable, on summary conviction, to a class A fine. 
 
11. Summary proceedings for an offence may be brought, as the case may 
be, by – 
(a) 
the Authority, or 
(b) 
the Road Safety Authority. 
 
12. Where an offence under these Regulations is committed by a body 
corporate and is proved to have been so committed with the consent or


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corporate and is proved to have been so committed with the consent or 
connivance of or to be attributable to any neglect on the part of any person, being 
a director, manager, secretary or other officer of the body corporate, or a person 
who was purporting to act in such capacity, that person shall, as well as the body 
corporate, be guilty of an offence and shall be liable to be proceeded against and 
punished as if he or she were guilty of the first mentioned offence. 
 
6  [102]


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punished as if he or she were guilty of the first mentioned offence. 
 
6  [102] 
13. The fees specified in column (3) of the Schedule shall be payable to the 
Authority in respect of the service specified in column (2) opposite the fee so 
specified. 
 
 
[102]  7 
Schedule 
 
Column 
(1) 
Column 
(2) 
Column 
(3) 
Reference 
Number 
Description of Service 
Fee 
€ 
1 
Authorisation application fee (Article 9) 
100 
2 
Authorisation issue fee (Authorisations in


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1 
Authorisation application fee (Article 9) 
100 
2 
Authorisation issue fee (Authorisations in 
accordance with Articles 8 and 10 for services 
referred to in Article 6) 
280 
3 
Authorisation certified true copy - each copy fee 
(issued under Article 8 for services referred to in 
Article 6) 
10 
4 
Authorisation renewal application fee (issued under 
Article 11) 
100 
5 
Authorisation renewal issue fee (issued under 
Article 11) 
250 
6 
Alteration of conditions application fee (issued


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string_value:
Article 11) 
250 
6 
Alteration of conditions application fee (issued 
under Article 11) 
50 
 
 
 
 
 
 
 
GIVEN under my Official Seal, 
1 April, 2025. 
 
DARRAGH O’BRIEN, 
Minister for Transport. 
 
 
 
8  [102] 
EXPLANATORY NOTE 
 
(This note is not part of the Instrument and does not purport to be a legal 
interpretation.) 
 
These Regulations give effect to the Protocol to the Agreement on the 
international occasional carriage of passengers by coach and bus (Interbus


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string_value:
international occasional carriage of passengers by coach and bus (Interbus 
Agreement) regarding the international regular and special regular carriage of 
passengers by coach and bus which entered into force on 1 October 2024, 
approved on behalf of the European Communities by Council Decision (EU) 
2023/911 of 28 September 2021. 
The Regulations operationalise Ireland’s commitments under the Protocol.  They 
provide for the designation of competent authorities and authorised inspecting


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string_value:
provide for the designation of competent authorities and authorised inspecting 
officers for the purposes of the Regulations.  The Regulations also provide for 
offences and related fines on summary conviction or conviction on indictment.  
Provision is also made for the charging of fees by the National Transport 
Authority in the context of their role as a competent authority under the 
Regulations. 
 
 
[102]  9 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH


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string_value:
Regulations. 
 
 
[102]  9 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie


key: chroma:document
string_value:
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 3.00 
 
 
 
 
 
 
 
 
 
(PTRD-21) 30. 4/25. Propylon.


key: chroma:document
string_value:
STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 29 of 2025 
 
 
 
 
________________ 
 
 
 
 
EUROPEAN UNION (DESIGNATION OF THE COMPETITION AND 
CONSUMER PROTECTION COMMISSION FOR CERTAIN FUNCTIONS) 
REGULATIONS 2025 
 
 
 
2  [29] 
 
S.I. No. 29 of 2025 
 
EUROPEAN UNION (DESIGNATION OF THE COMPETITION AND 
CONSUMER PROTECTION COMMISSION FOR CERTAIN FUNCTIONS) 
REGULATIONS 2025 
 
I, PETER BURKE, Minister for Enterprise, Trade and Employment, in exercise


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string_value:
REGULATIONS 2025 
 
I, PETER BURKE, Minister for Enterprise, Trade and Employment, in exercise 
of the powers conferred on me by section 3 of the European Communities Act 
1972 (No. 27 of 1972) and for the purpose of giving further effect to Regulation 
(EU) 524/2013 of the European Parliament and of the Council of 21 May 20131, 
Directive 2013/11/EU of the European Parliament and of the Council of 21 May 
20132, Regulation (EU) 2018/302 of the European Parliament and of the Council


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string_value:
20132, Regulation (EU) 2018/302 of the European Parliament and of the Council 
of 28 February 20183 and Regulation (EU) 2017/2394 of the European 
Parliament and of the Council of 12 December 20174, hereby make the following 
regulations: 
 
1. 
These Regulations may be cited as the European Union (Designation of 
the Competition and Consumer Protection Commission for Certain Functions) 
Regulations 2025. 
 
2. 
The European Union (Alternative Dispute Resolution for Consumer


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Regulations 2025. 
 
2. 
The European Union (Alternative Dispute Resolution for Consumer 
Disputes) Regulations 2015 (S.I. No. 343 of 2015) is amended by the substitution 
of the following regulation for regulation 6: 
“6. 
(1) The Commission shall, with regard to disputes arising from 
cross-border sales or service contracts, provide consumers with information 
and assistance to access ADR entities operating in another Member State


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and assistance to access ADR entities operating in another Member State 
which is competent to deal with a consumer’s cross-border dispute. 
(2) 
The Commission – 
(a) 
shall make the list of ADR entities referred to in Article 20(4) 
of the Directive publicly available by providing a link to the 
relevant European Commission website on its website, and 
(b) 
in so far as is possible, make the list referred to in paragraph 
(a) available on a durable medium at its premises.”. 
 
3.


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(a) available on a durable medium at its premises.”. 
 
3. 
The European Union (Online Dispute Resolution for Consumer 
Disputes) Regulations 2015 (S.I. No. 500 of 2015) is amended by the substitution 
of the following regulation for regulation 3: 
“3. 
The Competition and Consumer Protection Commission is 
designated as the ODR contact point in the State for the purposes of Article 7 
 
1 OJ No. L 165, 18.6.2013, p 1 
2 OJ No. L 165, 18.6.2013, p 63 
3 OJ No. L 60I, 2.3.2018, p 1


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1 OJ No. L 165, 18.6.2013, p 1 
2 OJ No. L 165, 18.6.2013, p 63 
3 OJ No. L 60I, 2.3.2018, p 1 
4 OJ No. L 345, 27.12.2017, p 1 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 14th February, 2025. 
[29]  3 
 
of the Council Regulation and shall carry out the functions of an ODR contact 
point under that Council Regulation.”. 
 
4. 
The European Union (Unjustified Geoblocking of Consumers)


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4. 
The European Union (Unjustified Geoblocking of Consumers) 
Regulations 2018 (S.I. No. 513 of 2018) is amended by the substitution of the 
following regulation for regulation 4: 
“4. 
The Competition and Consumer Protection Commission is 
designated for the purposes of Article 8 of the Council Regulation.”. 
 
5. 
The European Union (Cooperation Between National Authorities 
Responsible for the Enforcement of Consumer Protection Laws) Regulations


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string_value:
Responsible for the Enforcement of Consumer Protection Laws) Regulations 
2020 (S.I. No. 14 of 2020) is amended by the substitution of the following 
regulation for regulation 6: 
“6. 
The Commission is designated for the purpose of issuing alerts under 
Article 27 of the Council Regulation.”. 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
GIVEN under my Official Seal, 
6 February, 2025. 
 
PETER BURKE, 
Minister for Enterprise, Trade and Employment. 
 
 
 
 
 
 
4  [29] 
 
EXPLANATORY NOTE


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Minister for Enterprise, Trade and Employment. 
 
 
 
 
 
 
4  [29] 
 
EXPLANATORY NOTE 
 
(This note is not part of the Instrument and does not purport to be a legal 
interpretation.) 
 
These Regulations provide for the designation of the Competition and Consumer 
Protections Commission (CCPC) for various functions previously assigned to 
the European Consumer Centre Ireland (ECCI). 
The following four Regulations are amended;


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the European Consumer Centre Ireland (ECCI). 
The following four Regulations are amended; 
The European Union (Alternative Dispute Resolution for Consumer Disputes) 
Regulations 2015 (S.I. No. 343 of 2015). 
The European Union (Online Dispute Resolution for Consumer Disputes) 
Regulations 2015 (S.I. No. 500 of 2015). 
The European Union (Unjustified Geoblocking of Consumers) Regulations 2018 
(S.I. No. 513 of 2018). 
The European Union (Cooperation Between National Authorities Responsible


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(S.I. No. 513 of 2018). 
The European Union (Cooperation Between National Authorities Responsible 
for the Enforcement of Consumer Protection Laws) Regulations 2020 (S.I. No. 
14 of 2020). 
 
 
[29]  5 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN


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D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 3.00 
 
 
 
 
 
 
 
 
 
 
(CCPU-13) 30. 2/25. Propylon.


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STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 237 of 2025 
 
 
 
 
________________ 
 
 
 
 
TELECOMMUNICATIONS (TRANSFER OF DEPARTMENTAL 
ADMINISTRATION AND MINISTERIAL FUNCTIONS) ORDER 2025 
 
 
 
2  [237] 
S.I. No. 237 of 2025 
 
TELECOMMUNICATIONS (TRANSFER OF DEPARTMENTAL 
ADMINISTRATION AND MINISTERIAL FUNCTIONS) ORDER 2025 
 
The Government, in exercise of the powers conferred on them by section 6(1) of 
the Ministers and Secretaries (Amendment) Act 1939 (No. 36 of 1939), hereby


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the Ministers and Secretaries (Amendment) Act 1939 (No. 36 of 1939), hereby 
order as follows: 
 
1. (1) This Order may be cited as the Telecommunications (Transfer of 
Departmental Administration and Ministerial Functions) Order 2025. 
(2) This Order comes into operation on 1 June 2025. 
 
2. (1) The administration and business in connection with the exercise, 
performance or execution of any functions transferred by Article 3 are


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performance or execution of any functions transferred by Article 3 are 
transferred to the Department of Tourism, Culture, Arts, Gaeltacht, Sport and 
Media. 
(2) References to the Department of the Environment, Climate and 
Communications contained in any Act or any instrument made under an Act and 
relating to any administration and business transferred by paragraph (1) shall, 
from the commencement of this Order, be construed as references to the


key: chroma:document
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from the commencement of this Order, be construed as references to the 
Department of Tourism, Culture, Arts, Gaeltacht, Sport and Media. 
 
3. (1) The functions vested in the Minister for the Environment, Climate and 
Communications – 
(a) 
by or under the Acts or provisions of the Acts mentioned in Part 
1 of the Schedule, 
(b) 
under the Regulations or provisions of the Regulations mentioned 
in Part 2 of that Schedule,


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(b) 
under the Regulations or provisions of the Regulations mentioned 
in Part 2 of that Schedule, 
are transferred to the Minister for Tourism, Culture, Arts, Gaeltacht, Sport and 
Media. 
(2) References to the Minister for the Environment, Climate and 
Communications contained in any Act or instrument made under such Act and 
relating to any functions transferred by this Article shall, from the 
commencement of this Order, be construed as references to the Minister for


key: chroma:document
string_value:
commencement of this Order, be construed as references to the Minister for 
Tourism, Culture, Arts, Gaeltacht, Sport and Media. 
 
4. 
Where, immediately before the commencement of this Order, any legal 
proceedings are pending to which the Minister for the Environment, Climate and 
Communications is a party and the proceedings have reference to functions 
transferred by this Order to the Minister for Tourism, Culture, Arts, Gaeltacht,


key: chroma:document
string_value:
transferred by this Order to the Minister for Tourism, Culture, Arts, Gaeltacht, 
Sport and Media the name of the Minister for the Environment, Climate and 
Communications shall, in so far as the proceedings relate to any function 
transferred by this Order, be substituted in the proceedings for that of the 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 3rd June, 2025. 
[237]  3


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"Iris Oifigiúil" of 3rd June, 2025. 
[237]  3 
Minister for Tourism, Culture, Arts, Gaeltacht, Sport and Media or added in the 
proceedings, as may be appropriate, and the proceedings shall not abate by 
reason of such substitution. 
 
5. 
Anything commenced before the commencement of this Order by or 
under the authority of the Minister for the Environment, Climate and 
Communications may, in so far as it relates to functions transferred by this Order


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Communications may, in so far as it relates to functions transferred by this Order 
to the Minister for Tourism, Culture, Arts, Gaeltacht, Sport and Media be carried 
on or completed on or after such commencement by the Minister for Tourism, 
Culture, Arts, Gaeltacht, Sport and Media. 
 
6. 
Every document (including any certificate or licence) granted or made in 
the performance of a function transferred by this Order shall, if and in so far as


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the performance of a function transferred by this Order shall, if and in so far as 
it was operative immediately before the commencement of this Order, have 
effect from such commencement as if it had been granted or made by the 
Minister for Tourism, Culture, Arts, Gaeltacht, Sport and Media. 
 
7. 
References to the Minister for the Environment, Climate and 
Communications contained in the constitution of any company and relating to


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string_value:
Communications contained in the constitution of any company and relating to 
any function transferred by this Order shall, from the commencement of this 
Order, be construed as references to the Minister for Tourism, Culture, Arts, 
Gaeltacht, Sport and Media. 
 
8. (1) All property, rights and liabilities held, enjoyed or incurred before the 
commencement of this Order by the Minister for the Environment, Climate and


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string_value:
commencement of this Order by the Minister for the Environment, Climate and 
Communications, in connection with the functions transferred by this Order are 
transferred to the Minister for Tourism, Culture, Arts, Gaeltacht, Sport and 
Media and, accordingly, without any further conveyance, transfer or assignment, 
on such commencement – 
(a) 
that property, both real and personal, vests in the Minister for 
Tourism, Culture, Arts, Gaeltacht, Sport and Media, 
(b)


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string_value:
Tourism, Culture, Arts, Gaeltacht, Sport and Media, 
(b) 
those rights shall be enjoyed by the Minister for Tourism, Culture, 
Arts, Gaeltacht, Sport and Media, and 
(c) 
those liabilities are liabilities of the Minister for Tourism, Culture, 
Arts, Gaeltacht, Sport and Media. 
(2) All moneys, stocks, shares and securities transferred to the Minister for 
Tourism, Culture, Arts, Gaeltacht, Sport and Media by this Article which, on the


key: chroma:document
string_value:
Tourism, Culture, Arts, Gaeltacht, Sport and Media by this Article which, on the 
commencement of this Order, are standing in the name of the Minister for the 
Environment, Climate and Communications shall, on the request of the Minister 
for Tourism, Culture, Arts, Gaeltacht, Sport and Media, be transferred into the 
name of the Minister for Tourism, Culture, Arts, Gaeltacht, Sport and Media. 
 
 
 
4  [237] 
Schedule 
Part 1


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4  [237] 
Schedule 
Part 1 
 
Sections 10 and 12A of the Wireless Telegraphy Act 1926 (No 45 of 1926) 
Postal and Telecommunications Services Act 1983 (No. 24 of 1983) 
Postal and Telecommunications Services (Amendment) Act 1984 (No. 10 of 
1984) 
Telecommunications (Miscellaneous Provisions) Act 1996 (No. 34 of 1996) 
Postal and Telecommunications Services (Amendment) Act 1999 (No.5 of 1999) 
Electronic Commerce Act 2000 (No. 27 of 2000)


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string_value:
Electronic Commerce Act 2000 (No. 27 of 2000) 
A function of the Minister for the Environment, Climate and Communications 
under the Competition Act 2002 (amended by the Competition (Amendment) 
Act 2022 (No. 12 of 2022)) (No. 14 of 2002) as a relevant Minister (within the 
meaning of the Competition Act 2002) 
Communications Regulation Act 2002 (No. 20 of 2002) 
Digital Hub Development Agency Act 2003 (No. 23 of 2003) 
Section 4(4) of the Communications Regulation (Amendment) Act 2007 (No. 22


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string_value:
Section 4(4) of the Communications Regulation (Amendment) Act 2007 (No. 22 
of 2007) 
Section 184 of the Broadcasting Act 2009 (No. 18 of 2009) 
Communications Regulation (Premium Rate Services and Electronic 
Communications Infrastructure) Act 2010 (No.2 of 2010) 
Communications Regulation (Postal Services) Act 2011 (No. 21 of 2011) (other 
than section 62 to 65 and Part 4) 
Telecommunications Services (Ducting and Cables) Act 2018 (No.4 of 2018)


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string_value:
Telecommunications Services (Ducting and Cables) Act 2018 (No.4 of 2018) 
Section 3 (other than in so far as the section relates to Regulations that may be 
made under section 6 or 20), sections 11 and 17 and Parts 4 to 7of the 
Communications Regulation and Digital Hub Development Agency 
(Amendment) Act 2023 (No. 4 of 2023) 
 
 
[237]  5 
Schedule 
Part 2 
 
European Union (Accessibility of Websites and Mobile Applications of Public 
Sector Bodies) Regulations 2020 (S.I. No. 358 of 2020)


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string_value:
Sector Bodies) Regulations 2020 (S.I. No. 358 of 2020) 
European (Electronic Communications Code) Regulations (S.I. No. 444 of 2022) 
(other than Regulation 79) 
The functions of the Minister for the Environment, Climate and 
Communications referred to in paragraph (b) of the definition of relevant 
Minister in Regulation 2 of the Competition Act 2002 (Adjudication Officers) 
Regulations 2023 (S.I. No. 476 of 2023) 
European Union (European Data Governance Act) Regulations 2024 (S.I. No.


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string_value:
European Union (European Data Governance Act) Regulations 2024 (S.I. No. 
272 of 2024) 
European Union (European Data Governance Act) (No. 2) Regulations 2024 
(S.I. No. 734 of 2024) 
 
 
 
 
 
 
 
 
 
 
 
GIVEN under the Official Seal of the Government, 
27 May, 2025. 
 
MICHEÁL MARTIN, 
Taoiseach. 
 
 
 
 
6  [237] 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN,


key: chroma:document
string_value:
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 3.00   
 
 
 
 
 
 
 
 
(CSU-119) 30. 6/25. Propylon.


key: chroma:document
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STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 61 of 2025 
 
 
 
 
________________ 
 
 
 
 
MERCHANT SHIPPING (SOLAS V – SAFE MANNING AND 
WATCHKEEPING) (AMENDMENT) REGULATIONS 2025 
 
 
 
2  [61] 
 
S.I. No. 61 of 2025 
 
MERCHANT SHIPPING (SOLAS V – SAFE MANNING AND 
WATCHKEEPING) (AMENDMENT) REGULATIONS 2025 
 
I, DARRAGH O’BRIEN, Minister for Transport, in exercise of the powers 
conferred on me by section 59 of the Merchant Shipping Act 2010 (No. 14 of


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conferred on me by section 59 of the Merchant Shipping Act 2010 (No. 14 of 
2010) and the Maritime Transport, Safety and Security (Transfer of 
Departmental Administration and Ministerial Functions) Order 2005 (S.I. No. 
842 of 2005) (as adapted by the Transport, Tourism and Sport (Alteration of 
Name of Department and Title of Minister) Order 2020 (S.I. No. 351 of 2020)), 
hereby make the following regulations: 
 
1. 
These Regulations may be cited as the Merchant Shipping (SOLAS V –


key: chroma:document
string_value:
1. 
These Regulations may be cited as the Merchant Shipping (SOLAS V – 
Safe Manning and Watchkeeping) (Amendment) Regulations 2025. 
 
2. 
The Schedule to the Merchant Shipping (SOLAS V – Safe Manning and 
Watchkeeping) Regulations 2023 (S.I. No. 314 of 2023) is amended: 
(a) 
in the Place entry entitled Drogheda in column (1) by substituting 
for the entry in column (3) the following: 
“In summer: In favourable weather only, within a radius of 2.6


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“In summer: In favourable weather only, within a radius of 2.6 
nautical miles from the eastern tip of the north breakwater and 
terminating at the northern and southern foreshores respectively 
In winter: In favourable weather only, within a radius of 1.3 
nautical miles from the eastern tip of the north breakwater and 
terminating at the northern and southern foreshores respectively 
for vessels engaged in dredging operations only”,  
and 
(b)


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for vessels engaged in dredging operations only”,  
and 
(b) 
in the Place entry entitled Howth Sound in column (1) by 
substituting for the entry in column (3) the following:  
“Within a line from the North end of Eastern Breakwater to 
Thulla and south of a line drawn westward from Steer Rock”. 
 
 
 
 
 
GIVEN under my Official Seal, 
5 March, 2025. 
 
DARRAGH O’BRIEN, 
Minister for Transport. 
 
Notice of the making of this Statutory Instrument was published in


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Minister for Transport. 
 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 7th March, 2025. 
[61]  3 
 
 
EXPLANATORY NOTE 
(This note is not part of the Instrument and does not purport to be a legal 
interpretation.) 
 
These Regulations amend the Merchant Shipping (SOLAS V – Safe Manning 
and Watchkeeping) Regulations 2023 (S.I. No. 314 of 2023) to clarify the 
location of partially smooth waters in Drogheda and Howth Sound. 
 
 
 
4  [61]


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location of partially smooth waters in Drogheda and Howth Sound. 
 
 
 
4  [61] 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8,


key: chroma:document
string_value:
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 1.50   
 
 
 
 
 
 
 
 
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STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 240 of 2025 
 
 
 
 
________________ 
 
 
 
 
ENTERPRISE, TOURISM AND EMPLOYMENT (DELEGATION OF 
MINISTERIAL FUNCTIONS) ORDER 2025 
 
 
 
2  [240] 
S.I. No. 240 of 2025 
 
ENTERPRISE, TOURISM AND EMPLOYMENT (DELEGATION OF 
MINISTERIAL FUNCTIONS) ORDER 2025 
 
The Government, on the request of the Minister for Enterprise, Tourism and 
Employment and in exercise of the powers conferred on them by section 2(1) of


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string_value:
Employment and in exercise of the powers conferred on them by section 2(1) of 
the Ministers and Secretaries (Amendment) (No. 2) Act 1977 (No. 28 of 1977), 
hereby order as follows: 
 
1. 
This Order may be cited as the Enterprise, Tourism and Employment 
(Delegation of Ministerial Functions) Order 2025. 
 
2. 
The powers (other than the power to prosecute an offence) and duties of 
the Minister for Enterprise, Tourism and Employment conferred on him – 
(a)


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the Minister for Enterprise, Tourism and Employment conferred on him – 
(a) 
by or under the enactments specified in Part 1 of the Schedule, 
(b) 
by or under the provisions of the enactments specified in Part 2 
of the Schedule, and 
(c) 
under the Regulations specified in Part 3 of the Schedule, 
are delegated to Alan Dillon, Minister of State at the Department of Enterprise, 
Tourism and Employment. 
 
 
Notice of the making of this Statutory Instrument was published in


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Tourism and Employment. 
 
 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 6th June, 2025. 
[240]  3 
SCHEDULE 
PART 1 
 
Carriage of Dangerous Goods by Road Act 1998 (No. 43 of 1998) 
Chemicals Act 2008 (No. 13 of 2008) 
Chemical Weapons Act 1997 (No. 28 of 1997) 
Construction Contracts Act 2013 (No. 34 of 2013) 
Dangerous Substances Act 1972 (No. 10 of 1972)  
Employment Agency Act 1971 (No. 27 of 1971) 
Employment Permits Act 2024 (No. 17 of 2024)


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string_value:
Employment Agency Act 1971 (No. 27 of 1971) 
Employment Permits Act 2024 (No. 17 of 2024) 
Factories Act 1955 (No. 10 of 1955) 
Industrial Relations Act 1946 (No. 26 of 1946) 
Industrial Relations Act 1969 (No. 14 of 1969) 
Industrial Relations Act 1976 (No. 15 of 1976) 
Industrial Relations Act 1990 (No. 19 of 1990) 
Industrial Relations (Amendment) Act 2001 (No. 11 of 2001) 
Industrial Relations (Amendment) Act 2015 (No. 27 of 2015) 
Metrology Act 1996 (No. 27 of 1996)


key: chroma:document
string_value:
Industrial Relations (Amendment) Act 2015 (No. 27 of 2015) 
Metrology Act 1996 (No. 27 of 1996) 
Microenterprise Loan Fund Act 2012 (No. 31 of 2012) 
Minimum Notice and Terms of Employment Act 1973 (No. 4 of 1973) 
National Minimum Wage Act 2000 (No. 5 of 2000) 
National Standards Authority of Ireland Act 1996 (No. 28 of 1996) 
Organisation of Working Time Act 1997 (No. 20 of 1997) 
Packaged Goods (Quantity Control) Act 1980 (No. 11 of 1980) 
Payment of Wages Act 1991 (No. 25 of 1991)


key: chroma:document
string_value:
Payment of Wages Act 1991 (No. 25 of 1991) 
Protection of Employees (Employers’ Insolvency) Act 1984 (No. 21 of 1984) 
Protection of Employees (Fixed-Term Work) Act 2003 (No. 29 of 2003) 
Protection of Employees (Part-Time Work) Act 2001 (No. 45 of 2001) 
Protection of Employees (Temporary Agency Work) Act 2012 (No. 13 of 2012) 
Protection of Employment Act 1977 (No. 7 of 1977) 
Protection of Young Persons (Employment) Act 1996 (No. 16 of 1996) 
Redundancy Payments Act 1967 (No. 21 of 1967)


key: chroma:document
string_value:
Redundancy Payments Act 1967 (No. 21 of 1967) 
Redundancy Payments Act 1971 (No. 20 of 1971) 
Redundancy Payments Act 1979 (No. 7 of 1979) 
Safety, Health and Welfare (Offshore Installations) Act 1987 (No. 18 of 1987) 
4  [240] 
Safety, Health and Welfare at Work Act 2005 (No. 10 of 2005) 
Safety in Industry Act 1980 (No. 9 of 1980) 
Sick Leave Act 2022 (No. 24 of 2022) 
Terms of Employment (Information) Act 1994 (No. 5 of 1994) 
Trade Union Act 1871 (34 & 35 Vict. c. 31)


key: chroma:document
string_value:
Trade Union Act 1871 (34 & 35 Vict. c. 31) 
Trade Union Act Amendment Act 1876 (39 & 40 Vict. c. 22) 
Trade Union Act 1913 (2 & 3 Geo. 5 c. 10) 
Trade Union Act 1941 (No. 22 of 1941) 
Trade Union Act 1942 (No. 23 of 1942) 
Trade Union Act 1947 (No. 17 of 1947) 
Trade Union Act 1952 (No. 13 of 1952) 
Trade Union Act 1971 (No. 33 of 1971) 
Trade Union Act 1975 (No. 4 of 1975) 
Transnational Information and Consultation of Employees Act 1996 (No. 20 of 
1996)


key: chroma:document
string_value:
Transnational Information and Consultation of Employees Act 1996 (No. 20 of 
1996) 
Unfair Dismissals Act 1977 (No. 10 of 1977) 
Worker Participation (State Enterprises) Act 1977 (No. 6 of 1977) 
Worker Participation (State Enterprises) Act 1988 (No. 13 of 1988) 
Workplace Relations Act 2015 (No. 16 of 2015) 
 
PART 2 
 
Part 3 of the Employment (Collective Redundancies and Miscellaneous 
Provisions) and Companies (Amendment) Act 2024 (No. 14 of 2024)


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string_value:
Provisions) and Companies (Amendment) Act 2024 (No. 14 of 2024) 
Parts 3 and 4 of the Work Life Balance and Miscellaneous Provisions Act 2023 
(No. 8 of 2023) 
 
 
 
[240]  5 
PART 3 
 
European Communities (Carriage of Dangerous Goods by Road and Use of 
Transportable Pressure Equipment) Regulations 2011 (S.I. No. 349 of 2011) 
European Communities (Machinery) Regulations 2008 (S.I. No. 407 of 2008) 
European Union (Equipment and Protective Systems Intended for Use in


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string_value:
European Union (Equipment and Protective Systems Intended for Use in 
Potentially Explosive Atmospheres) Regulations 2017 (S.I. No. 230 of 2017) 
European Union (Lifts and Safety Components for Lifts) Regulations 2017 (S.I. 
No. 232 of 2017) 
European Union (Non-Automatic Weighing Instruments) Regulations 2018 (S.I. 
No. 47 of 2018) 
European Union (Personal Protective Equipment) Regulations 2018 (S.I. No. 
136 of 2018)


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string_value:
European Union (Personal Protective Equipment) Regulations 2018 (S.I. No. 
136 of 2018) 
European Union (Pressure Equipment) Regulations 2017 (S.I. No. 233 of 2017) 
Legal Metrology (European Conformity Assessment of Measuring Instruments) 
Regulations 2018 (S.I. No. 2 of 2018)  
 
 
 
 
GIVEN under the Official Seal of the Government, 
4 June, 2025. 
 
MICHEÁL MARTIN, 
Taoiseach. 
 
 
 
 
6  [240] 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR


key: chroma:document
string_value:
6  [240] 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
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PUBLISHED BY THE STATIONERY OFFICE 
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KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
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KILMAINHAM, DUBLIN 8, 
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E-mail: publications@opw.ie 
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STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 120 of 2025 
 
 
 
 
________________ 
 
 
 
 
EUROPEAN UNION (DE MINIMIS AID IN THE AGRICULTURE 
SECTOR) REGULATIONS 2025 
 
 
 
2  [120] 
S.I. No. 120 of 2025 
 
EUROPEAN UNION (DE MINIMIS AID IN THE AGRICULTURE 
SECTOR) REGULATIONS 2025 
 
I, MARTIN HEYDON, Minister for Agriculture, Food and the Marine, in 
exercise of the powers conferred on me by section 3 of the European


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exercise of the powers conferred on me by section 3 of the European 
Communities Act 1972 (No. 27 of 1972) for the purpose of giving effect to 
Commission Regulation (EU) No 1408/2013 of 18 December 20131, 
Commission Regulation (EU) 2019/316 of 21 February 20192, Commission 
Regulation (EU) 2022/2046 of 24 October 20223 and Commission Regulation 
(EU) 2023/2391 of 4 October 20234, hereby make the following regulations:  
 
Citation 
1.


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(EU) 2023/2391 of 4 October 20234, hereby make the following regulations:  
 
Citation 
1. 
These Regulations may be cited as the European Union (de minimis aid 
in the agriculture sector) Regulations 2025. 
 
Interpretation 
2. (1) In these Regulations- 
“Data Protection Regulation” means Regulation (EU) 2016/679 of the European 
Parliament and of the Council of 27 April 20165; 
“EU agriculture de minimis aid Regulation” means Commission Regulation


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“EU agriculture de minimis aid Regulation” means Commission Regulation 
(EU) No 1408/2013 of 18 December 2013 on the application of Articles 107 and 
108 of the Treaty on the Functioning of the European Union to de minimis aid 
in the agriculture sector (as amended by Commission Regulation (EU) 2019/316 
of 21 February 2019, Commission Regulation (EU) 2022/2046 of 24 October 
2022 and Commission Regulation (EU) 2023/2391 of 4 October 2023);


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2022 and Commission Regulation (EU) 2023/2391 of 4 October 2023);  
“Minister” means Minister for Agriculture, Food and the Marine; 
“Relevant authority” means– 
(a) 
the Minister,  
(b) 
an authority referred to in Regulation 4, and 
(c) 
an institution or body of the European Union. 
(2) A word or expression that is used in these Regulations and that is also 
used in the EU agriculture de minimis aid Regulation has, unless the contrary


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used in the EU agriculture de minimis aid Regulation has, unless the contrary 
intention appears, the same meaning in these Regulations that it has in the EU 
agriculture de minimis aid Regulation. 
 
 
1 OJ L 352, 24/12/2013, p. 9 
2 OJ L 51I, 22.2.2019, p. 1 
3 OJ L 275, 25.10.2022, p. 55 
4 OJ L, 2023/2391, 5.10.2023, ELI: http://data.europa.eu/eli/reg/2023/2391/oj 
5 OJ L 119, 4.5.2016, p. 1 
Notice of the making of this Statutory Instrument was published in


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5 OJ L 119, 4.5.2016, p. 1 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 11th April, 2025. 
[120]  3 
Agriculture De Minimis aid database 
3. (1) The Minister shall establish and maintain a database (“Agriculture De 
Minimis aid database”) on which aid to undertakings active in the primary 
production of agricultural products and subject to the EU agriculture de minimis 
aid Regulation shall be recorded.


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aid Regulation shall be recorded.  
(2) The Agriculture De Minimis aid database shall contain the information 
referred to in Regulation 5 that is– 
(a) 
held by the Minister, or  
(b) 
submitted to the Minister by an authority referred to in  
Regulation 4. 
 
Authorities to submit or transmit data 
4. (1) The following authorities shall record on, or cause to be transmitted 
to the Minister for recording on, the Agriculture De Minimis aid database details


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to the Minister for recording on, the Agriculture De Minimis aid database details 
referred to in Regulation 5 of aid granted to undertakings where such aid is 
subject to the EU agriculture de minimis aid Regulation–  
(a) 
the Strategic Banking Corporation of Ireland,  
(b) 
Microfinance Ireland, 
(c) 
any other third party organisation (including any central bank 
approved financial institution) that grants aid subject to the EU 
agriculture de minimis aid Regulation, or 
(d)


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agriculture de minimis aid Regulation, or 
(d) 
any other Minister of Government or public body.  
(2) Details referred to in paragraph (1) shall be in a format and 
communicated by a means of transmission determined by the Minister. 
 
Details to be submitted by authority  
5. 
The following details shall be submitted or transmitted by an authority 
referred to in Regulation 4– 
(a) 
name of applicant; 
(b) 
address of applicant; 
(c) 
where applicable, date of birth of applicant; 
(d)


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(b) 
address of applicant; 
(c) 
where applicable, date of birth of applicant; 
(d) 
Department of Agriculture, Food and the Marine unique identifier 
(which may include, but not limited to, herd number, 
establishment number or Registered Farm Partnership number);  
(e) 
amount of loan or relief; 
(f) 
amount of State Aid element of loan or relief; 
(g) 
date of granting of aid. 
 
 
 
4  [120] 
Data sharing  
6. (1) Data collected or held by a relevant authority for the purposes of the


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Data sharing  
6. (1) Data collected or held by a relevant authority for the purposes of the 
EU agriculture de minimis aid Regulation, which include personal data (within 
the meaning of Article 4 of the Data Protection Regulation and section 69 of the 
Data Protection Act 2018), may be shared by that relevant authority with another 
relevant authority if such exchange is necessary for the performance, by the 
relevant authority holding or seeking the information, of functions under the EU


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relevant authority holding or seeking the information, of functions under the EU 
agriculture de minimis aid Regulation. 
(2) Where information shared between one relevant authority and another is 
found to be inaccurate, the relevant authority on making the discovery shall 
confirm the correct information and advise the other relevant authority of the 
amended information. 
 
 
 
 
 
 
 
GIVEN under my Official Seal, 
4 April, 2025. 
 
MARTIN HEYDON,


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GIVEN under my Official Seal, 
4 April, 2025. 
 
MARTIN HEYDON, 
Minister for Agriculture, Food and the Marine. 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
[120]  5 
EXPLANATORY NOTE 
 
(This note is not part of the Instrument and does not purport to be a legal 
interpretation.) 
 
These Regulations provide for the creation of the Agriculture De Minimis aid 
database and for the sharing of data for recording on the database.


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database and for the sharing of data for recording on the database.  
The purpose of the EU Agriculture De Minimis Aid Regulation 1408/2013 (as 
amended) is to ensure that state funded financial supports granted (e.g 
discounted interest rates, loan guarantees or taxation reliefs etc) to primary 
producers do not have a negative impact on competition or fair-trade principles 
across the European Union.  
Where a Member State grants aid under 1408/2013 (as amended) it is required


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Where a Member State grants aid under 1408/2013 (as amended) it is required 
to maintain a central register of the aid granted covering a period of 3 years. The 
purpose of the database is to monitor both the primary producers individual aid 
threshold and the national cap limits regarding Agriculture De Minimis Aid 
granted by Ireland as an EU Member State. 
 
 
 
6  [120] 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó


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string_value:
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 3.00


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D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
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key: chroma:document
string_value:
STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 142 of 2025 
 
 
 
 
________________ 
 
 
 
 
EUROPEAN COMMUNITIES (MARKETING OF FRUIT PLANT 
PROPAGATING MATERIAL) (AMENDMENT) REGULATIONS 2025 
 
 
 
2  [142] 
S.I. No. 142 of 2025 
 
EUROPEAN COMMUNITIES (MARKETING OF FRUIT PLANT 
PROPAGATING MATERIAL) (AMENDMENT) REGULATIONS 2025 
 
I, MARTIN HEYDON, Minister for Agriculture, Food and the Marine, in 
exercise of the powers conferred on me by section 3 of the European


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string_value:
exercise of the powers conferred on me by section 3 of the European 
Communities Act 1972 (No. 27 of 1972), for the purpose of giving effect to 
Commission Implementing Directive (EU) 2025/145 of 29 January 20251, 
hereby make the following regulations:  
 
1. 
These Regulations may be cited as the European Communities 
(Marketing of Fruit Plant Propagating Material) (Amendment) Regulations 
2025.   
 
2. 
The European Communities (Marketing of Fruit Plant Propagating


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2025.   
 
2. 
The European Communities (Marketing of Fruit Plant Propagating 
Material) Regulations 2011 (S.I. No. 384 of 2011) are amended in Regulation 
2(1) by substituting for the definition of “Directive”, the following – 
 
“‘Directive’ means Council Directive 2008/90/EC of 29 September 20082 
(as amended by Regulation (EU) No 652/2014 of the European Parliament 
and of the Council of 15 May 20143, Commission Implementing Decision


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string_value:
and of the Council of 15 May 20143, Commission Implementing Decision 
(EU) 2016/159 of 4 February 20164, Commission Implementing Decision 
(EU) 2016/1887 of 24 October 20165, Commission Implementing 
Decision (EU) 2019/120 of 24 January 20196 and Commission 
Implementing 
Decision 
(EU) 
2022/1933 
of 
12 
October 
20227),Commission Implementing Directive 2014/96/EU of 15 October 
20148 (as amended by Commission Implementing Directive (EU)


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string_value:
20148 (as amended by Commission Implementing Directive (EU) 
2019/1813 of 29 October 20199), Commission Implementing Directive 
2014/97/EU of 15 October 201410 and Commission Implementing 
Directive 2014/98/EU of 15 October 201411 (as amended by Commission 
Directive (EU) 2020/177 of 11 February 202012, Commission 
Implementing Directive (EU) 2022/2438 of 12 December 202213 and 
Commission Implementing Directive (EU) 2025/145 of 29 January 
2025);”.   
 
1 O.J. L series 30.01.2025


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2025);”.   
 
1 O.J. L series 30.01.2025 
2 OJ L 267 08.10.2008, p.8 
3 OJ L 189, 27.6.2014, p.1  
4 OJ L 31, 6.2.2016, p.51 
5 OJ L 291, 26.10.2016, p.15 
6 OJ L24, 28.01.2019, p. 26 
7 OJ L266, 13.10.2022, p.19 
8 OJ L 298, 16.10.2014, p.12  
9 OJ L 278, 30.10.2019, p.7 
10 OJ L 298, 16.10.2014, p.16 
11 OJ L298, 16.10.2014, p.22 
12 OJ L266, 13.10.2022, p19 
13 OJ L319, 13.12.2022, p54 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 25th April, 2025.


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"Iris Oifigiúil" of 25th April, 2025. 
[142]  3 
3. 
The European Communities (Marketing of Fruit Plant Propagating 
Material (Amendment) Regulations 2023 (S.I. No. 283 of 2023) are revoked. 
 
 
 
 
 
 
 
 
 
 
GIVEN under my Official Seal, 
15 April, 2025. 
 
MARTIN HEYDON, 
Minister for Agriculture, Food and the Marine. 
 
 
 
4  [142] 
EXPLANATORY NOTE 
 
(This note is not part of the Instrument and does not purport to be a legal 
interpretation.)


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(This note is not part of the Instrument and does not purport to be a legal 
interpretation.) 
 
These Regulations update existing Legislation with regard to the minimum 
quality standards and controls on the marketing within the European Union of 
fruit plant propagating material and fruit plants intended for fruit production. 
 
 
 
[142]  5 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS,


key: chroma:document
string_value:
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
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key: chroma:document
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STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No.  14  of 2025 
 
 
 
 
________________ 
 
 
 
 
RULES OF THE SUPERIOR COURTS (GUARDIAN AD LITEM AND 
NEXT FRIEND) 2025 
 
 
 
2  [14] 
 
S.I. No.  14  of 2025 
 
RULES OF THE SUPERIOR COURTS (GUARDIAN AD LITEM AND 
NEXT FRIEND) 2025 
 
We, the Superior Courts Rules Committee, constituted pursuant to the provisions 
of section 67 of the Courts of Justice Act 1936, and reconstituted pursuant to the


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of section 67 of the Courts of Justice Act 1936, and reconstituted pursuant to the 
provisions of section 15 of the Courts of Justice Act 1953, by virtue of the 
powers conferred upon us by section 36 of the Courts of Justice Act 1924, section 
68 of the Courts of Justice Act 1936 (as applied by section 48 of the Courts 
(Supplemental Provisions) Act 1961) and section 14 of the Courts (Supplemental 
Provisions) Act 1961, do hereby make the following Rules of Court.


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Provisions) Act 1961, do hereby make the following Rules of Court. 
 
Dated this 17th day of October, 2024. 
 
Caroline Costello  
 
 
 
 
Yvonne McNamara 
 
David Barniville 
 
 
 
 
Gráinne Larkin  
Elizabeth Dunne 
Máire Whelan  
 
 
 
 
Michele O’Boyle 
 
Nuala Butler  
 
 
 
 
Áine Hynes 
Richard Humphreys  
 
 
 
James Finn    
Siobhán Phelan 
 
 
 
 
Mary Cummins  
 
 
I concur in the making of the following Rules of Court. 
 
Dated this 21st day of January 2025. 
 
 
Helen McEntee


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Dated this 21st day of January 2025. 
 
 
Helen McEntee  
Minister for Justice  
 
 
 
Notice of the making of this Statutory Instrument was published in 
“Iris Oifigiúil” of 28th January, 2025. 
 
[14]  3 
 
S.I. No.  14  of 2025 
 
RULES OF THE SUPERIOR COURTS (GUARDIAN AD LITEM AND 
NEXT FRIEND) 2025 
 
1. (1) These Rules, which may be cited as the Rules of the Superior Courts 
(Guardian ad litem and next friend) 2025, shall come into operation on the 31st 
day of January 2025.


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day of January 2025. 
(2) These Rules shall be construed together with the Rules of the Superior 
Courts. 
(3) The Rules of the Superior Courts as amended by these Rules may be cited 
as the Rules of the Superior Courts 1986 to 2025. 
 
2. 
These Rules shall apply in proceedings commenced both before and from 
the date on which these Rules come into operation.  
 
3. 
The Rules of the Superior Courts are amended: 
(i) 
 by the substitution for rules 16 to 21 inclusive of Order 15


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(i) 
 by the substitution for rules 16 to 21 inclusive of Order 15 
of the following rules:  
“II. Person under disability 
16. (1) A child may sue as plaintiff by his or her next 
friend in accordance with this rule, and may defend by his 
or her guardian ad litem in accordance with this rule.  
(2) 
Where a child sues by a next friend, any solicitor 
applying to issue the summons or other originating 
document shall make an affidavit in the Form No 4 in


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document shall make an affidavit in the Form No 4 in 
Appendix A, Part II, which shall be filed together with the 
consent of the person proposed to act as next friend in the 
Form No 4A in Appendix A, provided that in any case in 
which a statutory declaration of the solicitor under section 
14(2) of the Mediation Act 2017 is required, this 
requirement may be satisfied by a single statutory 
declaration for the purposes of the Mediation Act 2017 and 
this rule. 
(3)


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declaration for the purposes of the Mediation Act 2017 and 
this rule. 
(3) 
A child may not enter an appearance except by his 
or her guardian ad litem, and every child served with an 
originating document or notice of motion in a matter shall 
appear on the hearing thereof by a guardian ad litem, in all 
cases in which the appointment of a special guardian is not 
provided for.    
(4) 
No order for the appointment of a guardian ad


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provided for.    
(4) 
No order for the appointment of a guardian ad 
litem shall be necessary, but a solicitor applying to enter an 
appearance on behalf of a child, or appearing on behalf of a 
child on the hearing of an originating document or motion 
4  [14] 
 
shall, before doing so, make an affidavit in the Form No 4B 
in Appendix A, Part II, which shall be filed together with 
the consent of the person proposed to act as guardian ad 
litem in the Form No 4C in Appendix A. 
(5)


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litem in the Form No 4C in Appendix A. 
(5) 
In all causes or matters to which a child is a party, 
any consent as to the mode of taking evidence or as to any 
other procedure shall, if given with the consent of the Court 
by the next friend, guardian or guardian ad litem of the 
child, be of full force and effect. 
(6) 
On the child’s attaining majority, the child, or the 
next friend or guardian may apply to the proper officer in 
the Central Office, by production of the child’s birth


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the Central Office, by production of the child’s birth 
certificate or such other evidence as the proper officer may 
require, for an amendment of the title to the proceedings to 
describe the party lately a child as proceeding or defending 
in his or her own name. The said officer shall on such 
application cause the title to the proceedings in the cause 
book to be amended accordingly. 
17. (1) In this rule, the “2015 Act” means the Assisted


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book to be amended accordingly. 
17. (1) In this rule, the “2015 Act” means the Assisted 
Decision-Making (Capacity) Act 2015, and expressions 
used have the meanings assigned to them by the 2015 Act.  
(2) 
Where a decision-making representation order in 
respect of a relevant person authorises a decision-making 
representative to institute, prosecute or defend proceedings, 
the decision-making representative may institute, prosecute 
or defend such proceedings, and service of such


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or defend such proceedings, and service of such 
proceedings on the decision-making representative shall be 
good and sufficient service.  
(3) 
Where notification of lack of capacity has been 
accepted in respect of a registered enduring power of 
attorney made by a relevant person as the donor, which 
power includes authority to act on the donor’s behalf in 
relation to the institution, prosecution or defence of 
proceedings, the attorney may institute, prosecute or defend


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proceedings, the attorney may institute, prosecute or defend 
such proceedings, and service of such proceedings on the 
attorney shall be good and sufficient service.  
(4) 
Where a registered enduring power under the 
Powers of Attorney Act of 1996, made by a relevant person 
as the donor, includes authority to act on the donor’s behalf 
in relation to the institution, prosecution or defence of 
proceedings, the attorney under the Act of 1996 may


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proceedings, the attorney under the Act of 1996 may 
institute, prosecute or defend such proceedings, and service 
of such proceedings on the attorney under the Act of 1996 
shall be good and sufficient service.  
(5) 
Where 
a 
registered 
co-decision-making 
agreement in force in respect of an intending party or party 
to proceedings as the appointer provides for the making 
[14]  5 
 
jointly by the appointer and a co-decision-maker of 
decisions 
concerning 
proceedings, 
the 
originating


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decisions 
concerning 
proceedings, 
the 
originating 
document or defence, and each subsequent  document 
delivered on behalf of that party in such proceedings shall 
state that the decision to issue and deliver same was made 
jointly by the appointer and co-decision-maker.  
(6) 
Where any issue arises as to, or arising from, the 
capacity of any adult party to proceedings, the Court may, 
of its own motion having heard the parties, or on the


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of its own motion having heard the parties, or on the 
application by motion on notice of any party, or person 
sufficiently interested, make such orders or give such 
directions concerning the further conduct of the 
proceedings as are necessary in the interests of justice. 
(7) 
A ward of court may sue or defend by his or her 
committee. 
18. 
In all causes or matters to which a party is a 
relevant person (within the meaning of section 2(1) of the


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relevant person (within the meaning of section 2(1) of the 
Assisted Decision-Making (Capacity) Act 2015), any 
consent as to the mode of taking evidence or as to any other 
procedure shall, if given with the consent of the Court by 
the person entitled to conduct or defend the proceedings in 
accordance with Order 15, rule 17, be of full force and 
effect. 
19. 
The name of any person shall not be used in any 
cause or matter as relator, unless such person has signed a


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cause or matter as relator, unless such person has signed a 
written authority to the solicitor for that purpose, and the 
authority has been filed in the proper office.” 
 
4. 
The forms numbered 4, 4A, 4B and 4C in the Schedule shall be 
substituted for Form No. 4 in Part II of Appendix A to the Rules of the Superior 
Courts. 
 
 
6  [14] 
 
Schedule 
No. 4 
O. 15, r. 16 
 
AFFIDAVIT OF SUITABILITY OF NEXT FRIEND. 
(Title as in Summons or other originating document).


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AFFIDAVIT OF SUITABILITY OF NEXT FRIEND. 
(Title as in Summons or other originating document). 
 
I, ....... of [place of abode or business], solicitor, make oath and say as follows:—  
 
To the best of my knowledge, information and belief, E.F., of ..........., the person 
proposed as next friend of the above-named child plaintiff, is a fit and proper 
person to act as next friend, being capable of fairly and competently conducting


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person to act as next friend, being capable of fairly and competently conducting 
proceedings on behalf of the said child, and has no interest in the matters in 
question in this action adverse to that of the said child. The written consent of 
the said E.F. to act as such next friend is hereto annexed.  
 
Sworn, &c.  
 
This affidavit is filed on behalf of, &c.  
 
[To this affidavit shall be annexed the written consent signed by the next friend 
in Form 4A.] 
 
___________ 
 
No. 4A


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in Form 4A.] 
 
___________ 
 
No. 4A 
O. 15, r. 16 
 
CONSENT TO ACT AS NEXT FRIEND. 
(Title as in Summons or other originating document). 
 
I, ....... of [address], consent to act as next friend of the above-named child 
plaintiff. My relationship to the child is [state relationship]. I have been advised 
by my solicitor on the nature of the duties of a next friend, and am capable of 
fairly and competently conducting proceedings on behalf of the said child. I have


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fairly and competently conducting proceedings on behalf of the said child. I have 
no interest in the matters in question in this action adverse to that of the said 
child.   
 
Signed: ………………...  
 
Date: …………………….  
___________ 
 
[14]  7 
 
No. 4B 
O. 15, r. 16 
 
AFFIDAVIT OF SUITABILITY OF GUARDIAN AD LITEM. 
(Title as in Summons or other originating document). 
 
I, ....... of [place of abode or business], solicitor, make oath and say as follows:—


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I, ....... of [place of abode or business], solicitor, make oath and say as follows:—  
 
To the best of my knowledge, information and belief, G.H., of ..........., the person 
proposed as guardian ad litem of the above-named child defendant, is a fit and 
proper person to act as guardian ad litem, being capable of fairly and 
competently conducting proceedings on behalf of the said child, and has no 
interest in the matters in question in this action adverse to that of the said child.


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interest in the matters in question in this action adverse to that of the said child. 
The written consent of the said G.H. to act as such guardian is hereto annexed.  
 
Sworn, &c.  
 
This affidavit is filed on behalf of, &c.  
 
[To this affidavit shall be annexed the written consent signed by such guardian  
in Form 4C.] 
___________ 
 
No. 4C 
O. 15, r. 16 
 
CONSENT TO ACT AS GUARDIAN AD LITEM. 
(Title as in Summons or other originating document).


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CONSENT TO ACT AS GUARDIAN AD LITEM. 
(Title as in Summons or other originating document). 
 
I, ....... of [address], consent to act as guardian ad litem of the above-named child 
plaintiff. My relationship to the child is [state relationship]. I have been advised 
by my solicitor on the nature of the duties of a guardian ad litem, and am capable 
of fairly and competently conducting proceedings on behalf of the said child. I


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of fairly and competently conducting proceedings on behalf of the said child. I 
have no interest in the matters in question in this action adverse to that of the 
said child.   
 
Signed: ………………...  
 
Date: …………………….  
___________ 
 
 
 
8  [14] 
 
EXPLANATORY NOTE 
 
(This note is not part of the Instrument and does not purport to be a legal 
interpretation.) 
 
These rules provide the procedure for appointment of a next friend for a child


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interpretation.) 
 
These rules provide the procedure for appointment of a next friend for a child 
plaintiff and of a guardian ad litem for a child defendant. 
 
 
[14]  9 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE


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r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 3.00   
 
 
 
 
 
 
 
 
(LCJ-80) 30. 1/25. Propylon.


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STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 101 of 2025 
 
 
 
 
________________ 
 
 
 
 
EUROPEAN UNION (TEMPORARY INCREASE OF OFFICIAL 
CONTROLS AND EMERGENCY MEASURES ON IMPORTS OF FOOD 
AND FEED OF NON-ANIMAL ORIGIN) (AMENDMENT) 
REGULATIONS 2025 
 
 
 
2  [101] 
S.I. No. 101 of 2025 
 
EUROPEAN UNION (TEMPORARY INCREASE OF OFFICIAL 
CONTROLS AND EMERGENCY MEASURES ON IMPORTS OF FOOD 
AND FEED OF NON-ANIMAL ORIGIN) (AMENDMENT) 
REGULATIONS 2025


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AND FEED OF NON-ANIMAL ORIGIN) (AMENDMENT) 
REGULATIONS 2025 
 
I, MARTIN HEYDON, Minister for Agriculture, Food and the Marine, in 
exercise of the powers conferred on me by section 3 of the European 
Communities Act 1972 (No. 27 of 1972), for the purpose of giving effect to 
Commission Implementing Regulation (EU) 2024/3153 of 18 December 20241, 
hereby make the following regulations: 
 
1. 
These Regulations may be cited as the European Union (Temporary


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1. 
These Regulations may be cited as the European Union (Temporary 
Increase of Official Controls and Emergency Measures on Imports of Food and 
Feed of Non-Animal Origin) (Amendment) Regulations 2025. 
 
2. 
The European Union (Temporary Increase of Official Controls and 
Emergency Measures on Imports of Food and Feed of Non-Animal Origin) 
Regulations 2020 (S.I. No. 9 of 2020) are amended in Regulation 3(1), by 
substituting for the definition of “Regulation 2019/1793” the following –


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substituting for the definition of “Regulation 2019/1793” the following – 
 
“‘Regulation 2019/1793’ means Commission Implementing Regulation (EU) 
2019/1793 of 22 October 2019 as amended by Commission Implementing 
Regulation (EU) 2020/625 of 6 May 2020, Commission Implementing 
Regulation (EU) 2020/1540 of 22 October 2020, Commission Implementing 
Regulation (EU) 2021/608 of 14 April 2021, Commission Implementing 
Regulation (EU) 2021/1900 of 27 October 2021, Commission Implementing


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Regulation (EU) 2021/1900 of 27 October 2021, Commission Implementing 
Regulation (EU) 2021/2246 of 15 December 2021, Commission Implementing 
Regulation (EU) 2022/913 of 30 May 2022, Commission Implementing 
Regulation (EU) 2023/174 of 26 January 2023, Commission Implementing 
Regulation (EU) 2023/1110 of 6 June 2023, Commission Implementing 
Regulation (EU) 2024/286 of 16 January 2024, Commission Implementing 
Regulation (EU) 2024/1662 of 11 June 2024 and Commission Implementing


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Regulation (EU) 2024/1662 of 11 June 2024 and Commission Implementing 
Regulation (EU) 2024/3153 of 18 December 2024;”. 
 
 
 
 
1 O.J. L series 19.12.2024 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 4th April, 2025. 
[101]  3 
3. 
The European Union (Temporary Increase of Official Controls and 
Emergency Measures on Imports of Food and Feed of Non-Animal Origin) 
(Amendment) (No.2) Regulations 2024 (S.I. No. 459 of 2024) are revoked.


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(Amendment) (No.2) Regulations 2024 (S.I. No. 459 of 2024) are revoked. 
 
 
 
 
 
GIVEN under my Official Seal, 
31 March, 2025. 
 
MARTIN HEYDON, 
Minister for Agriculture, Food and the Marine. 
 
 
 
 
 
 
 
 
 
 
 
4  [101] 
EXPLANATORY NOTE 
 
(This note is not part of the Instrument and does not purport to be a legal 
interpretation.) 
 
These Regulations update existing Regulations with regard to additional levels


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interpretation.) 
 
These Regulations update existing Regulations with regard to additional levels 
of controls on the import of certain food of non-animal origin from specific third 
countries with regard to pesticide residues and on the import of certain feed of 
non-animal origin from specific third countries. 
 
 
 
[101]  5 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
BAILE ÁTHA CLIATH 
ARNA FHOILSIÚ AG OIFIG AN tSOLÁTHAIR 
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN,


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string_value:
Le ceannach díreach ó 
FOILSEACHÁIN RIALTAIS, 
BÓTHAR BHAILE UÍ BHEOLÁIN, 
CILL MHAIGHNEANN, 
BAILE ÁTHA CLIATH 8, 
D08 XAO6  
 
Teil: 046 942 3100 
r-phost: publications@opw.ie 
—————— 
 
 
DUBLIN 
PUBLISHED BY THE STATIONERY OFFICE 
To be purchased from 
GOVERNMENT PUBLICATIONS, 
MOUNTSHANNON ROAD, 
KILMAINHAM, DUBLIN 8, 
D08 XAO6 
 
Tel: 046 942 3100 
E-mail: publications@opw.ie 
—————— 
 
 
€ 3.00   
 
 
 
 
 
 
 
 
(HPHD-36) 30. 4/25. Propylon.


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string_value:
STATUTORY INSTRUMENTS. 
 
 
 
 
S.I. No. 81 of 2025 
 
 
 
 
________________ 
 
 
 
 
CENTRAL BANK (SUPERVISION AND ENFORCEMENT) ACT 2013 
(SECTION 48) (CONSUMER PROTECTION) REGULATIONS 2025 
 
 
 
2  [81] 
S.I. No. 81 of 2025 
 
CENTRAL BANK (SUPERVISION AND ENFORCEMENT) ACT 2013 
(SECTION 48) (CONSUMER PROTECTION) REGULATIONS 2025 
 
CONTENTS 
Regulation 
Part 1 
PRELIMINARY AND GENERAL 
1. 
Citation and commencement 
2. 
Interpretation 
3. 
Scope and application  
4.


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1. 
Citation and commencement 
2. 
Interpretation 
3. 
Scope and application  
4. 
Restricted application where European Communities (Consumer Credit 
Agreements) Regulations 2010 apply 
5. 
Restricted application where European Union (Consumer Mortgage 
Credit Agreements) Regulations 2016 apply 
6. 
Restricted application to high cost credit providers 
7. 
Restricted application to credit unions  
8. 
Restricted application in respect of relevant activities related to SMEs 
9.


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8. 
Restricted application in respect of relevant activities related to SMEs 
9. 
Restricted application where providing payment services or issuing 
electronic money 
10. 
Restricted application to regulated entities providing solely account 
information services 
11. 
Restricted application to insurance distributors and insurance–based 
investment products 
12. 
Restricted application to packaged retail and insurance–based 
investment products 
13.


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12. 
Restricted application to packaged retail and insurance–based 
investment products 
13. 
Restricted application to crowdfunding services 
14. 
Restricted application to MiCAR services 
15. 
Circumstances in which these Regulations do not apply 
 
Part 2 
GENERAL CONSUMER PROTECTION REQUIREMENTS 
Chapter 1 
Knowing the consumer and suitability 
16. 
Knowing the consumer – information to be gathered and recorded  
17. 
Assessing and ensuring suitability  
18.


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17. 
Assessing and ensuring suitability  
18. 
Statement of suitability to be provided  
[81]  3 
 
19. 
Exemption from knowing the consumer and suitability requirements  
 
Chapter 2 
Conflicts of interest and information about remuneration 
20. 
Fees, commissions, rewards (etc.) permitted to be paid or provided to 
certain persons only  
21. 
Conditions where fees, commissions, rewards (etc.) are paid or 
provided  
22. 
Conflicts of interest policy to be in place  
23.


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provided  
22. 
Conflicts of interest policy to be in place  
23. 
Certain conflicts of interest that are to be avoided  
24. 
Steps in respect of conflicts of interest that may be managed  
25. 
No specified level of consumer business to be required of intermediary 
in order to retain appointment  
26. 
Product producers – commission paid to intermediary based on levels 
of business provided  
27. 
Conditions for employee remuneration arrangements  
28.


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of business provided  
27. 
Conditions for employee remuneration arrangements  
28. 
Information barriers to be put in place  
29. 
Offering, giving, accepting (etc.) gifts or rewards not to create conflict 
of interest  
30. 
Disclosure of fees, commissions (etc.) – mortgage intermediaries and 
regulated entities authorised under the Investment Intermediaries Act 
1995  
31. 
Ongoing remuneration from product producers – intermediaries to 
disclose information  
32.


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31. 
Ongoing remuneration from product producers – intermediaries to 
disclose information  
32. 
Summary of fees, commissions (etc.) to be published and made 
available  
33. 
Fees – option of payment, amount, and commission offset, to be 
explained by intermediaries  
 
Chapter 3 
Consumers in vulnerable circumstances 
34. 
Consumers in vulnerable circumstances to be assisted  
35. 
Consumers in vulnerable circumstances – training requirements  
36. 
Trusted contact person  
37.


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Consumers in vulnerable circumstances – training requirements  
36. 
Trusted contact person  
37. 
Reporting of concerns by employees  
 
 
 
4  [81] 
Chapter 4 
Digitalisation 
38. 
Certain standards to be ensured  
39. 
Provision of certain preselected options prohibited  
40. 
Guidance to be provided on use and navigation of digital platform  
41. 
Information to be provided on available assistance when using digital 
platforms  
42.


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41. 
Information to be provided on available assistance when using digital 
platforms  
42. 
Notification to be provided of withdrawal of access to systems  
43. 
Notice of upcoming expiry of cooling off period to be given  
 
Chapter 5 
Informing effectively 
44. 
Names of financial services not to be misleading with regard to nature 
or benefits  
45. 
Warning statements to be prominent etc.  
46. 
Notice of changes to range of services to be provided  
47. 
Technical terms to be explained


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46. 
Notice of changes to range of services to be provided  
47. 
Technical terms to be explained  
48. 
Key information to be presented clearly 
49. 
Arrangements to be in place to ensure security of information when 
communicating by electronic media  
50. 
Written information to have appropriate font size  
51. 
Terms of business to be drawn up and provided  
52. 
Content of terms of business  
53. 
Deposit agents to provide relevant credit institution’s terms of business  
54.


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53. 
Deposit agents to provide relevant credit institution’s terms of business  
54. 
Use of term “independent” by intermediaries subject to conditions  
55. 
MiFID Article 3 Services – use of term “independent”  
56. 
Use of term “broker” by intermediaries subject to conditions  
57. 
Intermediaries which do not provide financial services on the basis of a 
fair analysis of the market  
58. 
Intermediaries to disclose tied status  
59. 
All key information to be provided  
60.


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58. 
Intermediaries to disclose tied status  
59. 
All key information to be provided  
60. 
Terms and conditions to be provided  
61. 
Information on relevant ombudsman and alternative dispute resolution 
service to be provided  
62. 
Revised terms of business to be provided  
63. 
Recording telephone conversations  
[81]  5 
 
64. 
Information to be drafted and presented for understanding by an 
average consumer  
65. 
Product producers to ensure that information enables consumer


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average consumer  
65. 
Product producers to ensure that information enables consumer 
understanding  
 
Chapter 6 
Information about charges 
66. 
Written breakdown of charges to be provided  
67. 
Information to be provided where charge for provision or arrangement 
of loan to personal consumer  
68. 
Schedule of fees and charges to be displayed  
69. 
Consumers to be notified regarding increases and decreases in charges  
70.


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69. 
Consumers to be notified regarding increases and decreases in charges  
70. 
Notification of methods to mitigate or avoid likelihood of penalty 
charges  
 
Chapter 7 
Information about regulatory status 
71. 
Regulatory disclosure statement to be used  
 
Chapter 8 
Unregulated activities 
72. 
Website information on regulated activities to be kept separate  
73. 
Certain outcomes to be ensured  
 
Chapter 9 
Advertising 
74. 
Scope and application (Chapter 9)  
75.


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Chapter 9 
Advertising 
74. 
Scope and application (Chapter 9)  
75. 
Information to be reviewed and updated  
76. 
Hyperlinks linking to information permitted under certain conditions  
77. 
Information provided to meet certain standards  
78. 
Company name and trading name to be specified  
79. 
Advertisement to identify that it is an advertisement  
80. 
Requirements relating to key information, advertising benefits, and use 
of small print and footnotes  
81.


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of small print and footnotes  
81. 
Information on qualifying criteria relating to fixed prices or greatest 
amount of savings to be clear  
82. 
Requirements for warning statements  
6  [81] 
83. 
Option not to display warning statements in limited circumstances  
84. 
Promotional or introductory interest rates – required information  
85. 
Recommendations or commendations to meet certain requirements  
86. 
Intermediaries to specify where tied to single provider  
87.


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86. 
Intermediaries to specify where tied to single provider  
87. 
Comparisons and contrasts to meet certain standards  
88. 
Initialisms and acronyms to be explained  
89. 
Warning statement on investment in crowdfunding projects  
 
Chapter 10 
Bundling and contingent selling 
90. 
No sale of financial service to be made contingent on purchase of 
another financial service  
91. 
No bundling except where cost saving  
92. 
Required information on bundled product  
93.


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91. 
No bundling except where cost saving  
92. 
Required information on bundled product  
93. 
Steps where request to switch products in a bundle or exit bundle  
94. 
Steps where optional extras offered  
95. 
Steps regarding information on bundling where communicating by 
telephone only  
 
Chapter 11 
Errors resolution 
96. 
Robust governance arrangements required for errors handling  
97. 
Errors to be resolved  
98. 
Refunds to be made  
99. 
Log of errors to be maintained


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97. 
Errors to be resolved  
98. 
Refunds to be made  
99. 
Log of errors to be maintained  
100. Record of steps taken to resolve errors to be maintained  
 
Chapter 12 
Complaints resolution 
101. Reasonable steps to be taken to resolve complaints  
102. Complaints made orally – consumers to be offered complaints process  
103. Form of complaints that shall be facilitated  
104. Systems to track and manage complaints progress to be in place


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104. Systems to track and manage complaints progress to be in place  
105. Procedures for managing and resolving complaints  
106. Log of complaints to be maintained  
107. Governance arrangements for complaints handling  
[81]  7 
 
 
Chapter 13 
Unsolicited personal visits and telephone calls 
108. Subject to exceptions, no unsolicited personal visits to consumers who 
are natural persons  
109. Initiating telephone calls with consumers that are existing customers


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are natural persons  
109. Initiating telephone calls with consumers that are existing customers  
110. Initiating telephone calls with consumers that are potential or former 
customers  
111. Initiating telephone calls to be proportionate, reasonable and not 
excessive  
112. Permitted contact by telephone or visit to be made only during certain 
times  
113. Information to be provided / established  
114. Sales and marketing – instructions to be complied with for no further


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114. Sales and marketing – instructions to be complied with for no further 
visits or telephone calls  
 
Chapter 14 
Records and compliance 
115. Required records 
116. Customers who are consumers to be identified in records  
117. Period of retention of records  
118. Records to meet certain standards  
 
Chapter 15 
Miscellaneous business requirements 
119. Outsourcing activity  
120. Policies and procedures to be in writing and accessible to employees  
121. Instructions


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120. Policies and procedures to be in writing and accessible to employees  
121. Instructions  
122. Receipt to be provided  
123. Original documentation conferring ownership rights to be given or held 
for safekeeping  
124. Confirmation of power of attorney to be obtained where relevant  
125. Procedure to be complied with on ceasing to operate, merging business 
or transferring regulated activities  
126. Proposed transferee or merging entity to conduct due diligence and


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126. Proposed transferee or merging entity to conduct due diligence and 
verify continuity of service  
127. Information to be provided and obtained prior to opening joint account 
for consumers  
8  [81] 
128. Exclusion and restriction of duties and liabilities to be avoided  
129. Regulated entities negotiating with debt management firms  
 
Part 3 
CONSUMER BANKING, CREDIT, ARREARS, AND CERTAIN OTHER 
FINANCIAL ARRANGEMENTS 
Chapter 1


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Part 3 
CONSUMER BANKING, CREDIT, ARREARS, AND CERTAIN OTHER 
FINANCIAL ARRANGEMENTS 
Chapter 1 
Knowing the consumer and suitability – additional requirements 
130. Affordability assessment to be carried out  
131. Lenders to carry out further affordability and suitability assessment  
 
Chapter 2 
Additional information requirements 
132. Interpretation (Chapter 2) 
133. Requirement for publishing interest rates  
134. Personal consumers to receive explanation of consequences of missing


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134. Personal consumers to receive explanation of consequences of missing 
scheduled repayments  
135. Reasons to be provided for not approving personal consumer credit 
application  
136. Information to be provided to personal consumers regarding early 
redemption charge 
137. Information to be provided on guarantee documentation where offering 
credit to personal consumers  
138. Indicative comparison of total cost to be provided to personal 
consumers when consolidating loans


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consumers when consolidating loans  
139. Information to be provided to personal consumers on lifetime 
mortgages  
140. Information to be provided to personal consumers on home reversion 
agreements  
141. Conditions for reliance on assumptions in providing information 
pursuant to Regulations 139 and 140 
142. Importance of obtaining independent legal and financial advice to be 
notified with lifetime mortgages and home reversion agreements


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notified with lifetime mortgages and home reversion agreements  
143. Warning statements to be included with information on lifetime 
mortgages and home reversion agreements  
144. Credit institutions to provide information on term or notice deposit 
accounts  
145. Credit institutions to provide information on fixed term deposits  
146. Providers of loan accounts to provide statements to personal consumers  
[81]  9


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146. Providers of loan accounts to provide statements to personal consumers  
[81]  9 
 
147. Providers of loans to notify personal consumers of interest rate changes  
 
Chapter 3 
Additional post–sale information requirements 
148. Guarantor of personal consumer credit to be notified  
 
Chapter 4 
Advertisements 
149. Scope and application (Chapter 4) 
150. Referring to annual percentage rate  
151. Advertising term loans and other arrangements while specifying annual


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151. Advertising term loans and other arrangements while specifying annual 
percentage rate and term  
152. Referring fixed–rate loans and other arrangements – warning statement 
regarding early payment  
153. Personal lending and other arrangements – warning statement regarding 
failure to make repayments  
154. Credit enabling consolidation of debts – required information  
155. Displaying interest rate for savings or deposit account  
156. Annual equivalent rates


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155. Displaying interest rate for savings or deposit account  
156. Annual equivalent rates  
157. Home reversion agreements  
 
Chapter 5 
Additional miscellaneous business requirements for credit institutions and 
provision of credit 
158. Credit institutions to follow timelines for crediting funds to term or 
notice deposit accounts  
159. Credit institution to give information and protect consumer interests 
when closing, merging or moving local branches


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when closing, merging or moving local branches  
160. Credit institution to give information and protect consumer interests 
when significantly amending local branch services  
161. Unsolicited pre–approved credit to personal consumers  
162. No increase of personal consumer’s credit limit without agreement  
163. Separate payment by personal consumers to be permitted in respect of 
loan charge  
164. Credit institution not prevented from requiring opening of feeder 
account


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loan charge  
164. Credit institution not prevented from requiring opening of feeder 
account  
165. Steps where offering payment protection insurance with a loan  
 
10  [81] 
Chapter 6 
Additional requirements specific to mortgage business 
166. Interpretation (Chapter 6) 
167. Register to be maintained of appointed mortgage intermediaries  
168. Personal consumers to be provided certain information with mortgage 
calculators and approval in principle documents


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calculators and approval in principle documents  
169. Information on mortgage switching to be given to personal consumers  
170. Personal consumers to be provided with indicative comparison on total 
mortgage interest payable  
171. Interest rates for mortgages to be published on websites  
172. Summary statement on variable mortgage interest rates  
173. Required information to be included with offer document on mortgage


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173. Required information to be included with offer document on mortgage  
174. Personal consumers to be provided with redemption figure on existing 
mortgage  
175. Personal consumer’s legal representative to be provided with title deeds 
within specified timeframe  
176. Warning statement for interest–only mortgages  
177. Information to be provided on incentives and other offers where offered 
prior to mortgage approval


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prior to mortgage approval  
178. Supporting documentation to be obtained prior to providing mortgage  
179. Process to be followed for dealing with mortgage loan applications by 
personal consumers  
180. Assessing reasonableness (etc.) of information in support of mortgage 
application  
181. Mortgage lenders to obtain valuation report  
182. Affordability assessment – additional test for mortgage products 
provided to personal consumers


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provided to personal consumers  
183. Mortgage intermediaries to provide information for affordability 
assessment  
184. Revised figures to be provided to personal consumer regarding variable 
interest rate mortgage  
185. Mortgage drawdown – information to be provided to personal 
consumers  
186. Statements of account on mortgages to provide for additional matters 
in certain circumstances  
187. Notification of interest rate changes to provide for additional matters in


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187. Notification of interest rate changes to provide for additional matters in 
certain circumstances  
188. Switching from tracker interest rate – personal consumer to be informed  
[81]  11 
 
189. Switching from tracker interest rate to fixed interest rate – personal 
consumer to be notified of tracker margin on expiry of fixed term  
190. Switching from tracker interest rate – personal consumer to be notified 
prior to implementing switch


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prior to implementing switch  
191. Switching from tracker interest rate – personal consumer to be allowed 
time to consider information  
192. Switching to fixed interest rate – personal consumer to be notified of 
loss of discount (etc.)  
193. Personal consumer to be provided with information when offering 
incentives on existing mortgage  
194. Warning statement for certain advertisements  
 
Chapter 7 
Deposit agents 
195. Deposit agents not to retain consumer account passbook


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Chapter 7 
Deposit agents 
195. Deposit agents not to retain consumer account passbook  
196. Deposit agents not to operate from same premises as deposit broker  
 
Chapter 8 
High cost credit providers 
197. Interpretation (Chapter 8)  
198. Scope and application (Chapter 8)  
199. Expertise for engaging in high cost credit  
200. Unsolicited credit facilities  
201. Unsolicited contact  
202. Communications  
203. Prohibition on incentivising credit purchases


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202. Communications  
203. Prohibition on incentivising credit purchases  
204. Lending policy and procedures  
205. Home collections  
206. Pre–contract information  
207. Provision of information to consumers  
208. Information to be provided on guarantee documentation  
209. Additional disclosure requirements  
210. Information notice on website and application form  
211. Information notice at premises  
212. Knowing the consumer 
213. Post–contract information


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211. Information notice at premises  
212. Knowing the consumer 
213. Post–contract information  
214. Provision of information to guarantors  
12  [81] 
215. Subsequent high cost credit agreements  
216. Advertising  
217. Consumer records  
218. Provision of records to third parties  
 
Chapter 9 
Arrears – Mortgage debt secured by a mortgage borrower’s primary residence 
219. Interpretation (Chapter 9)  
220. Scope and application (Chapter 9)  
221. Meaning of not cooperating


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220. Scope and application (Chapter 9)  
221. Meaning of not cooperating  
222. Dedicated person to be appointed for dealing with arrears  
223. All relevant information to be available prior to communicating with 
mortgage borrower  
224. Regulated entities to have procedures for dealing with arrears and pre–
arrears  
225. Management information systems to be in place  
226. Consumer–facing staff to be provided with training or information as 
appropriate


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226. Consumer–facing staff to be provided with training or information as 
appropriate  
227. Conditions for setting targets or offering incentives to relevant staff  
228. Timeline for processing mortgage borrower information requests 
relating to State support applications  
229. Mortgage borrower’s nominated third party to be liaised with  
230. Mortgage borrower’s reasons for missing repayment schedule to 
ascertained  
231. Mortgage borrowers to be encouraged to engage on financial


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ascertained  
231. Mortgage borrowers to be encouraged to engage on financial 
difficulties  
232. No charges or surcharge interest on arrears where mortgage borrower 
is cooperating  
233. Unsolicited personal visits to comply with certain conditions  
234. Communications to be open to engaging with mortgage borrower  
235. Arrears and pre–arrears meetings with mortgage borrowers not to be in 
public  
236. MARP information booklet required 
237. Dedicated webpage to be maintained


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public  
236. MARP information booklet required 
237. Dedicated webpage to be maintained  
238. MARP required  
239. Arrears support unit required  
240. Circumstances in which MARP to be applied  
[81]  13 
 
241. Application of MARP to pre–arrears cases  
242. Mortgage borrower to be informed of appointment of third party for 
engaging with mortgage borrower  
243. Policy on communications with mortgage borrowers required  
244. Standards for communicating with mortgage borrowers


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244. Standards for communicating with mortgage borrowers  
245. Mortgage borrower and guarantor to be informed in case of arrears  
246. MARP information booklet to be provided in pre–arrears case  
247. Updated information to be provided where arrears persist  
248. Mortgage borrower to be notified of consequences when 3 repayments 
missed  
249. Letter to be provided to mortgage borrower prior to classification as 
“not cooperating”


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249. Letter to be provided to mortgage borrower prior to classification as 
“not cooperating” 
250. Mortgage borrower to be informed of certain matters following 
classification as “not cooperating”  
251. Requirements for obtaining financial information from a mortgage 
borrower  
252. Assessment of mortgage borrower case  
253. Requirements when considering alternative repayment arrangement 
options  
254. Requirements when offering alternative repayment arrangements


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options  
254. Requirements when offering alternative repayment arrangements  
255. Reasons and additional information to be provided where alternative 
repayment arrangement refused  
256. Information to be provided where alternative repayment arrangement 
offered but not agreed by mortgage borrower  
257. Alternative repayment arrangements with mortgage borrowers to be 
reviewed  
258. Appeals process to be in place  
259. Appeals to be logged and analysed  
260. Complaints resolution


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259. Appeals to be logged and analysed  
260. Complaints resolution  
261. Requirements prior to commencement of legal proceedings for 
repossession  
262. Contact to be maintained with mortgage borrower where legal 
proceedings for repossession commenced  
263. Information to be provided following repossession  
264. Records to be kept and maintained 
 
 
 
 
14  [81] 
Chapter 10 
Arrears – debts of personal consumers, other than mortgage debt secured by a


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14  [81] 
Chapter 10 
Arrears – debts of personal consumers, other than mortgage debt secured by a 
mortgage borrower’s primary residence 
265. Scope and application (Chapter 10) 
266. Legal proceedings  
267. Policies and procedures for handling arrears to be in place  
268. Dedicated webpage to be maintained  
269. Agreed approach on arrears to be sought  
270. Notification of existing arrears and enquiries  
271. Personal consumer’s nominated third party to be liaised with


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271. Personal consumer’s nominated third party to be liaised with  
272. Notification of particular information relating to account in arrears  
273. Mortgage debt – notification of potential for further proceedings  
274. Notification to be provided where engaging third party  
275. Information to be provided where agreement on revised repayment 
arrangement  
276. Reasons to be recorded and provided where revised repayment 
arrangement is rejected


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276. Reasons to be recorded and provided where revised repayment 
arrangement is rejected  
277. Communications policy on arrears to be in place and communications 
to reflect certain standards  
278. Conditions for unsolicited personal visits to personal consumers in 
relation to arrears  
279. Further conditions for unsolicited contact with personal consumers in 
respect of arrears  
 
Chapter 11 
Arrears – debts in relation to high cost credit agreements 
280. Interpretation (Chapter 11)


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Arrears – debts in relation to high cost credit agreements 
280. Interpretation (Chapter 11) 
281. Scope and application (Chapter 11) 
282. Consumer’s nominated third party to be liaised with 
283. Agreed approach on arrears to be sought 
284. Arrears handling 
285. Debt collection 
 
Chapter 12 
Debt management firms 
286. Interpretation (Chapter 12) 
287. Scope and application (Chapter 12) 
[81]  15 
 
288. Information about debt management services  
289. Signed agreement to be obtained


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288. Information about debt management services  
289. Signed agreement to be obtained  
290. No recommendations, arrangements or assistance for payment of fees 
or charges by way of credit  
291. Information to be provided where proposed payment of fees or charges 
by way of credit  
292. No payment of fees, commissions (etc.) for customer referrals or 
identification  
293. No prevention or obstruction of consumer from directly communicating 
with free services or creditors


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with free services or creditors  
294. No standard financial statement to be provided to creditors without 
prior written consent  
295. Standard financial statement to be used  
296. Certain specific matters to be assessed and recorded in assessing 
suitability  
297. Debt management arrangement to be in best interests of consumer  
298. Assessing suitability of transactions or series of transactions  
299. Non–application of certain requirements in respect of negotiation 
without advice


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299. Non–application of certain requirements in respect of negotiation 
without advice  
300. Statement of advice to be prepared following suitability assessment  
301. Oral explanation to be provided of next steps in relation to statement of 
advice  
302. Conditions to begin negotiations with creditors for discharge of debts  
303. Notification to be provided of outcome of negotiations with each 
creditor  
304. No agreement to negotiated outcome for discharge of debts without


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creditor  
304. No agreement to negotiated outcome for discharge of debts without 
prior written agreement of consumer  
305. Regular updates on status of negotiations to be provided  
306. Statement of activities and fees to be provided where services provider 
over more than 6 months  
 
Part 4 
INSURANCE 
Chapter 1 
Preliminary 
307. Interpretation (Part 4) 
 
 
16  [81] 
Chapter 2 
Additional business requirements 
308. Receipt to be provided – insurance intermediaries  
 
Chapter 3


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308. Receipt to be provided – insurance intermediaries  
 
Chapter 3 
Premium handling 
309. Non–application of chapter  
310. Client premium account  
311. Permitted payments into and out of client premium account  
312. Client premium account – reconciliation 
 
Chapter 4 
Differential pricing 
313. Interpretation (Chapter 4)  
314. Scope and application (Chapter 4)  
315. Setting subsequent renewal prices  
316. Closed books 
317. Insurance intermediaries’ involvement in setting price


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316. Closed books 
317. Insurance intermediaries’ involvement in setting price  
318. Responsibility of insurance undertaking or insurance intermediary 
where more than one insurance undertaking or insurance intermediary 
is involved in setting the subsequent renewal price  
319. Related additional financial services  
320. Related additional financial services where financial service no longer 
available at first renewal  
321. Firms’ assurance over consumer outcomes


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available at first renewal  
321. Firms’ assurance over consumer outcomes  
322. Annual review and record keeping  
 
Chapter 5 
Automatic renewals 
323. Scope and application (Chapter 5)  
324. Automatic renewals – cancellations  
325. Automatic renewals – notifications in respect of policies with a duration 
of 10 months or more  
326. Automatic renewals – notifications in respect of policies with a duration 
of less than 10 months


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of less than 10 months  
327. Automatic renewal of pet insurance, travel insurance, gadget insurance 
or dental insurance  
[81]  17 
 
Chapter 6 
Information about insurance products specifically 
328. Information to be provided in insurance quotation – general  
329. Information to be provided in insurance quotation – warranties and 
endorsements  
330. Information to be provided in insurance quotation – discounts or 
loadings  
331. Policy documentation to state name of underwriter


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loadings  
331. Policy documentation to state name of underwriter  
332. Information to be provided about disclosure obligations  
333. Information to be provided about permanent health insurance  
334. Information to be provided about serious or critical illness insurance 
335. Information to be provided about property or motor insurance  
336. Refusal to quote for motor or property insurance  
337. Information to be provided where premium may be subject to review


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337. Information to be provided where premium may be subject to review  
338. Insurance quotation – explanation of difference in cost between 
payment of premium by lump sum or by instalment  
339. Consent to be obtained for follow up telephone communication in 
respect of an insurance quotation provided on a digital platform  
 
Chapter 7 
Knowing the consumer and suitability – insurance specific provisions 
340. Statement of suitability where immediate cover required


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340. Statement of suitability where immediate cover required  
341. Statement of suitability in the case of travel, motor or home insurance  
 
Chapter 8 
Post–sale information requirements – information about insurance products 
342. Issuance of insurance policy  
343. Terms and conditions applicable to no claims discount to be provided 
to consumer  
344. Appointed claims representative  
345. Information concerning surrender value of a life insurance policy


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345. Information concerning surrender value of a life insurance policy  
346. Advance notification of expiry date of a policy of non–life insurance  
347. Notification of lapse of cover under health insurance contract 
 
Chapter 9 
Premium rebates 
348. Premium rebates – timing  
18  [81] 
349. Option of deduction from renewal or other premium or donation in lieu 
of premium rebate  
350. Premium rebate processing agreement  
351. Full rebate amount to be paid in the absence of agreement


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351. Full rebate amount to be paid in the absence of agreement  
352. Return and reissue of rebate  
 
Chapter 10 
Claims processing 
353. Scope and application (Chapter 10)  
354. Verification of claims  
355. Claims handling procedure  
356. Assisting a consumer in making a claim  
357. Engagement of loss adjustor or expert appraiser  
358. Notification that a claimant may appoint a loss assessor  
359. Engagement with third party in relation to a claim


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359. Engagement with third party in relation to a claim  
360. Insurance undertaking to be available to discuss claims  
361. Restitution work – appointment of third party  
362. Restitution work – certification  
363. Claim settlement offer to represent best estimate of a claimant’s 
reasonable entitlement  
364. Decision on a claim  
365. Minimum period for acceptance or rejection of a claim settlement offer  
366. Settlement of claim


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366. Settlement of claim  
367. Insurance undertaking to publish details of appeals mechanism  
368. Information concerning settlement where a consumer policyholder is 
not the beneficiary  
 
Part 5 
INVESTMENTS 
Chapter 1 
Preliminary 
369. Interpretation (Part 5) 
 
 
 
 
[81]  19 
 
Chapter 2 
Additional suitability requirements 
370. Assessing and determining suitability of investment product transaction 
or series of such transactions  
 
Chapter 3 
Information about investment products


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or series of such transactions  
 
Chapter 3 
Information about investment products 
371. Information to be provided to consumers  
372. Warning statement to be provided with illustrations of figures on 
performance of investment product  
373. Prospectus to state where representing or containing terms of contract  
374. Information on periodic suitability assessments to be provided 
375. Tracker bonds – product brochure and application form  
376. Tracker bonds – Key Features Document


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376. Tracker bonds – Key Features Document  
377. Tracker bonds – illustration to be provided where facility to borrow 
funds to invest  
378. PRSAs – information to be provided  
379. Product producers to provide statement on investment products  
380. Tracker bonds – product producers to issue information document 
following sale  
 
Chapter 4 
Advertisements 
381. Scope and application (Chapter 4) 
382. Warning statement regarding return on investment


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381. Scope and application (Chapter 4) 
382. Warning statement regarding return on investment  
383. Warning statement where return on capital applicable on or from a 
specific date  
384. Warning statement where no access to funds invested for product term  
385. Provision of information on past performance to meet certain 
conditions  
386. Warning statement to be provided regarding past performance  
387. Statement to be included where position or holding in a financial service


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387. Statement to be included where position or holding in a financial service  
388. Information on simulated performance to meet certain conditions  
389. Warning statement to be provided where illustrations or information on 
simulated performance  
390. Conditions for describing product as guaranteed or conveying the same 
meaning or impression  
20  [81] 
391. Reference to the impact of taxation  
392. Warning on value of investment that can fluctuate


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391. Reference to the impact of taxation  
392. Warning on value of investment that can fluctuate  
393. Statement to be made if return determined on a particular date  
394. Warning statement where income can fluctuate  
395. Effect of withdrawal of amount from capital amount invested as income 
equivalent to be explained  
396. Warning statement where financial service may be affected by change 
in currency exchange rates


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in currency exchange rates  
397. Required warning where investment product not readily realisable  
398. Statement to be provided if investment product cannot be encashed 
prior to maturity date or early redemption charge  
399. Statement to be provided where deductions for charges and expenses 
not made uniformly  
400. Information on deposit interest rate on investment represented by 
tracker bond or component thereof  
401. Information on projected return on investment for tracker bond


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401. Information on projected return on investment for tracker bond  
 
Chapter 5 
Product producer responsibilities 
402. Information to be provided to intermediaries for consumers in relation 
to new investment products  
403. Information on investment products to meet certain standards  
404. Facility to be given to intermediaries when seeking information on 
investment product  
405. Information on new investment product to be updated and provided to 
intermediary  
 
Chapter 6


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intermediary  
 
Chapter 6 
MiFID Article 3 services 
406. Scope and application (Chapter 6) 
407. Recording of telephone conversations or electronic communications  
408. Disclosure of conflicts of interest  
409. Conflicts of interest policy  
410. Target market and information on products  
411. Independent advice – fees, commissions, etc.  
412. Independent advice – information  
413. Independent advice – restriction on natural person providing both 
independent and non–independent advice


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independent and non–independent advice  
[81]  21 
 
414. Information relating to execution of orders  
415. Information on costs and associated charges  
416. Periodic suitability assessments  
417. Remuneration  
 
Part 6 
FINAL PROVISIONS AND REVOCATIONS 
418. Revocations 
419. Amendments  
420. Failure to comply with these Regulations 
 
SCHEDULE 1 
Summary statement on variable mortgage interest rates 
 
SCHEDULE 2 
Information notice (number 1) (high cost credit provider) 
 
SCHEDULE 3


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SCHEDULE 2 
Information notice (number 1) (high cost credit provider) 
 
SCHEDULE 3 
Information notice (number 2) (high cost credit provider) 
 
SCHEDULE 4 
Standard financial statement (mortgage borrowers) 
 
SCHEDULE 5 
Standard financial statement (debt management) 
 
SCHEDULE 6 
Information to be provided to consumer in respect of debt management 
services 
 
SCHEDULE 7 
Key Features Document for tracker bonds 
 
SCHEDULE 8


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services 
 
SCHEDULE 7 
Key Features Document for tracker bonds 
 
SCHEDULE 8 
Information to be provided to consumer in respect of Personal Retirement 
Savings Account 
22  [81] 
 
SCHEDULE 9 
Declaration in respect of Non–Standard Personal Retirement Savings Account 
 
 
[81]  23 
 
S.I. No. 81 of 2025 
 
CENTRAL BANK (SUPERVISION AND ENFORCEMENT) ACT 2013 
(SECTION 48) (CONSUMER PROTECTION) REGULATIONS 2025 
 
In exercise of the powers conferred on the Central Bank of Ireland (the “Bank”)


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In exercise of the powers conferred on the Central Bank of Ireland (the “Bank”) 
by section 48 of the Central Bank (Supervision and Enforcement) Act 2013 (No. 
26 of 2013) (the “Act”), the Bank, having consulted, in accordance with section 
49 of the Act, with the Minister for Finance, the Minister for Enterprise, Trade 
and Employment and other persons that the Bank considers appropriate to 
consult in the circumstances, hereby makes the following regulations:  
 
Part 1


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consult in the circumstances, hereby makes the following regulations:  
 
Part 1 
PRELIMINARY AND GENERAL 
Citation and commencement  
1. (1) These Regulations may be cited as the Central Bank (Supervision and 
Enforcement) Act 2013 (Section 48) (Consumer Protection) Regulations 2025.  
(2) These Regulations come into operation on 24 March 2026.  
 
Interpretation  
2. (1) In these Regulations –  
“account information service” has the meaning given to it in Article 4 of


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“account information service” has the meaning given to it in Article 4 of 
Directive 2015/2366/EU of the European Parliament and of the Council of 25 
November 20151; 
“Act of 1942” means the Central Bank Act 1942 (No. 22 of 1942); 
“Act of 1995” means the Consumer Credit Act 1995 (No. 24 of 1995); 
“Act of 1997” means the Central Bank Act 1997 (No. 8 of 1997); 
“Act of 2014” means the Companies Act 2014 (No. 38 of 2014);


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“Act of 2014” means the Companies Act 2014 (No. 38 of 2014); 
“Act of 2015” means the Assisted Decision–Making (Capacity) Act 2015 (No. 
64 of 2015); 
“advertised financial service” means the financial service that is the subject of 
an advertisement;  
“advertisement” means any communication in respect of a regulated entity, 
which is addressed to the consumer public or a section of it, the purpose being 
to advertise a regulated activity or a regulated entity the subject of these


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to advertise a regulated activity or a regulated entity the subject of these 
Regulations, excluding name plaques, material that only communicates the 
regulated entity’s brand name rather than the promotion of a specific financial 
service, and a prospectus drawn up in accordance with the Prospectus 
Regulation;  
 
1 OJ No. L 337, 23.12.2015, p.35 
Notice of the making of this Statutory Instrument was published in 
"Iris Oifigiúil" of 25th March, 2025. 
24  [81]


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"Iris Oifigiúil" of 25th March, 2025. 
24  [81] 
“arrears” means, subject to the specific definitions of “arrears” which apply 
pursuant to Regulations 219 and 280(1) respectively, arrears which arise where 
a personal consumer –   
(a) 
has not made a full repayment of all outstanding amounts due, or 
only makes a partial repayment of any such amount, as set out in 
the original loan account contract, hire–purchase agreement, 
consumer–hire agreement or BNPL–agreement, by the scheduled


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consumer–hire agreement or BNPL–agreement, by the scheduled 
due date, or  
(b) 
in the case of a credit card account, has not made the minimum 
repayment by the due date for such repayment,  
and “in arrears” means a situation in which arrears have arisen. 
“associate” in relation to a person (the “first person”) means –  
(a) 
an undertaking in the same group as that first person,  
(b) 
any other person whose business, private or familial relationship


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(b) 
any other person whose business, private or familial relationship 
(other than as arises solely because that person is a client of the 
firm) with the first person or its associate might reasonably be 
expected to give rise to a common interest between them which 
may involve a conflict of interest in dealings with third parties, or  
(c) 
any other persons whose business, private or familial relationship 
(other than as arises solely because that person is a client of the


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(other than as arises solely because that person is a client of the 
firm) with the first person is such that he or she has influence over 
the first person’s judgment as to how to invest the first person’s 
property or exercise any rights attaching to the first person’s 
investments;   
“associated undertaking” means an associated undertaking within the meaning 
of the Act of 2014;  
“Bank” means Central Bank of Ireland;  
“BNPL” means buy now pay later;


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of the Act of 2014;  
“Bank” means Central Bank of Ireland;  
“BNPL” means buy now pay later; 
“BNPL agreement” means an agreement for the provision of credit, as defined 
in section 28 of the Act of 1997, indirectly to a consumer for the purchase of 
goods or services from a vendor, whereby the provider of the credit makes a 
payment to the vendor in respect of the goods or services and the consumer owes 
an equivalent amount to the provider of the credit;


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an equivalent amount to the provider of the credit; 
“bundle” means the bundle referred to in the definition of “bundling”; 
“bundling” means the packaging of 2 or more distinct products into a bundle, 
where each of these products can be purchased separately from or through the 
regulated entity;  
“Central Credit Register” means the Central Credit Register referred to in section 
5 of the Credit Reporting Act 2013 (No. 45 of 2013);


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5 of the Credit Reporting Act 2013 (No. 45 of 2013); 
“certified person” has the meaning given to it in section 55 of the Investment 
Intermediaries Act 1995 (No. 11 of 1995);  
[81]  25 
 
“charge” means, except where otherwise stated, any cost or fee which a 
consumer must pay in connection with a financial service provided by a 
regulated entity;  
“claimant” means any of the following: 
(a) 
a consumer making a claim under an insurance policy;  
(b)


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(a) 
a consumer making a claim under an insurance policy;  
(b) 
a person (in this definition referred to as a “third party”) making 
a claim of liability against another person (in this definition 
referred to as the “policyholder”), in circumstances where – 
(i) 
the insurance undertaking with whom the policyholder is 
insured is handling the claim made by the third party, and 
(ii) 
but for the fact that the third party may not be a customer of


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(ii) 
but for the fact that the third party may not be a customer of 
the insurance undertaking referred to in subparagraph (b)(i), 
the third party otherwise meets the definition of a 
consumer; 
(c) 
an actual or potential beneficiary under an insurance policy who 
is making a claim under that policy and who, but for the fact that 
the beneficiary may not be a customer of the relevant insurance 
undertaking, otherwise meets the definition of a consumer;


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undertaking, otherwise meets the definition of a consumer; 
“complaint” means, subject to Regulation 260, an expression of grievance or 
dissatisfaction by a consumer, either orally or in writing, in connection with –   
(a) 
the provision or the offer of the provision of a financial service to 
a consumer by a regulated entity, or  
(b) 
the failure or refusal of a regulated entity to provide a financial 
service to a consumer;


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(b) 
the failure or refusal of a regulated entity to provide a financial 
service to a consumer;  
“connected party” shall, except where otherwise stated, include – 
(a) 
a partner, officer, controller, associated undertaking, related 
undertaking or subsidiary undertaking or employee of the 
regulated entity, including any associate of the person concerned, 
and 
(b) 
in the case of a high cost credit provider, includes, in addition to


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and 
(b) 
in the case of a high cost credit provider, includes, in addition to 
paragraph (a), a person authorised to engage in the business of 
high cost credit on behalf of a high cost credit provider, including 
any associate of the person concerned;  
“consumer” means, subject to paragraph (4), a customer that is – 
(a) 
a natural person, 
(b) 
a group of natural persons, including a partnership, club, charity, 
trust or other unincorporated body, or 
(c)


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trust or other unincorporated body, or 
(c) 
an incorporated body, that is not – 
(i) 
an incorporated body that had an annual turnover in excess 
of €5 million in the previous financial year, or 
26  [81] 
(ii) 
an incorporated body that is a member of a group of 
companies having a combined turnover greater than €5 
million;  
“consumer–hire agreement” has, subject to paragraph (3), the meaning given to 
it in section 2 of the Act of 1995;


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it in section 2 of the Act of 1995;  
“consumer in vulnerable circumstances” means a consumer that is a natural 
person and whose personal circumstances, whether permanent or temporary, 
make that consumer especially susceptible to harm, particularly where a 
regulated entity is not acting with the appropriate levels of care, and “vulnerable 
circumstances” shall be construed accordingly; 
“credit institution” means an undertaking which satisfies point (a) of the


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“credit institution” means an undertaking which satisfies point (a) of the 
definition of “credit institution” in Article 4(1) of Regulation (EU) No 575/2013 
of the European Parliament and of the Council of 26 June 20132;  
“Crowdfunding Regulation” means Regulation (EU) 2020/1503 of the European 
Parliament and of the Council of 7 October 20203; 
“crowdfunding service” has the meaning given to it in Article 2 of the 
Crowdfunding Regulation;


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string_value:
“crowdfunding service” has the meaning given to it in Article 2 of the 
Crowdfunding Regulation; 
“crowdfunding service provider” has the meaning given to it in Article 2 of the 
Crowdfunding Regulation; 
“customer” means, subject to paragraph (3) – 
(a) 
any person to whom a regulated entity provides or offers financial 
services, 
(b) 
any person who requests the provision of financial services from 
the regulated entity, 
(c)


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(b) 
any person who requests the provision of financial services from 
the regulated entity, 
(c) 
a relevant borrower in a case where a regulated entity undertakes 
credit servicing in respect of the credit agreement concerned, or 
(d) 
a hirer in a case where a regulated entity undertakes credit 
servicing in respect of the consumer–hire agreement or hire–
purchase agreement concerned,  
and includes, where appropriate, a potential “customer” and former “customer” 
within the above meaning;


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within the above meaning;  
“debt management firm” has the meaning given to it by section 28 of the Act of 
1997;  
“debt management services” has the meaning given to it by section 28 of the Act 
of 1997;  
“deposit agent” means any person who holds an appointment in writing from a 
single credit institution enabling him to receive deposits on behalf of that 
institution and prohibiting him from acting in a similar capacity on behalf of 
another credit institution;


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another credit institution;  
 
2 OJ L 176, 27.6.2013, p. 1 
3 OJ L 347, 20.10.2020, p. 1 
[81]  27 
 
“deposit broker” means any person who brings together with credit institutions 
persons seeking to make deposits in return for a fee, commission or other reward;  
“digital platform” means an online system through which contracts can be 
concluded to provide financial services to consumers, or a website or application


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concluded to provide financial services to consumers, or a website or application 
that provides access to consumers to conclude contracts for the provision of 
financial services; 
“Distance Marketing Regulations” means European Communities (Distance 
Marketing of Consumer Financial Services) Regulations 2004 (S.I. No. 853 of 
2004); 
“durable medium” means any instrument that enables a recipient to store 
information addressed personally to the recipient in a way that renders it


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string_value:
information addressed personally to the recipient in a way that renders it 
accessible for future reference for a period of time adequate for the purposes of 
the information and which allows the unchanged reproduction of the information 
stored;  
“employee” means, unless the context otherwise requires, a person employed 
under a contract of service or a person otherwise employed by a regulated entity;  
“fair analysis of the market” means providing services on the basis of a


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“fair analysis of the market” means providing services on the basis of a 
sufficiently large number of contracts or investment products and product 
producers available on the market to enable the intermediary to make a 
recommendation, in accordance with professional criteria, regarding which 
contract or investment product would be adequate to meet the consumer’s needs;  
“financial abuse”  means any of the following:  
(a) 
the wrongful or unauthorised taking, withholding, appropriation,


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(a) 
the wrongful or unauthorised taking, withholding, appropriation, 
or use of a consumer’s money, assets or property;  
(b) 
any act or omission by a person, including through the use of a 
power of attorney, guardianship, or any other authority regarding 
a consumer, to –  
(i) 
obtain control, through deception, intimidation or undue 
influence, over the consumer’s money, assets or property, 
or  
(ii) 
wrongfully interfere with or deny the consumer’s


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string_value:
or  
(ii) 
wrongfully interfere with or deny the consumer’s 
ownership, use, benefit or possession of the consumer’s 
money, assets or property; 
“financial services” include financial products; 
“Financial Services and Pensions Ombudsman” has the meaning given to it in 
section 2(1) of the Act of 1942; 
“group” includes, unless otherwise specified, a company, its parent and its 
subsidiaries and any associated undertaking or related undertaking;


key: chroma:document
string_value:
subsidiaries and any associated undertaking or related undertaking;  
“health insurance contract” has the meaning given to it in section 2(1) of the 
Health Insurance Act 1994 (No. 16 of 1994); 
“high cost credit” has the meaning given to it in section 2 of the Act of 1995; 
“high cost credit provider” has the meaning given to it in section 2 of the Act of 
1995 and includes a representative of a high cost credit provider; 
28  [81]


key: chroma:document
string_value:
1995 and includes a representative of a high cost credit provider; 
28  [81] 
“hire–purchase agreement” has, subject to paragraph (3), the meaning given to 
it in section 2 of the Act of 1995; 
“home reversion agreement” has the meaning given to it in section 28 of the Act 
of 1997;  
“insurance–based investment product” has the meaning given to it by Regulation 
2 of the Insurance Distribution Regulations; 
“Insurance and Reinsurance Regulations” means the European Union (Insurance


key: chroma:document
string_value:
“Insurance and Reinsurance Regulations” means the European Union (Insurance 
and Reinsurance) Regulations 2015 (S.I. No. 485 of 2015);  
“insurance–based investment product” has the meaning given to it by Regulation 
2 of the Insurance Distribution Regulations; 
“Insurance Distribution Regulations” means the European Union (Insurance 
Distribution) Regulations 2018 (S.I. No. 229 of 2018); 
“insurance intermediary” includes insurance intermediaries and ancillary


key: chroma:document
string_value:
“insurance intermediary” includes insurance intermediaries and ancillary 
insurance intermediaries that are subject to the Insurance Distribution 
Regulations; 
“insurance undertaking” means an insurance undertaking within the meaning of, 
as appropriate, Regulation 3 of the Insurance and Reinsurance Regulations, 
Regulation 2 of the European Communities (Non–Life Insurance) Framework 
Regulations 1994 (S.I. No. 359 of 1994), or Regulation 2 of the European


key: chroma:document
string_value:
Regulations 1994 (S.I. No. 359 of 1994), or Regulation 2 of the European 
Communities (Life Assurance) Framework Regulations 1994 (S.I. No. 360 of 
1994); 
“interest–only mortgage” means a mortgage loan for which a consumer is 
required to make interest repayments to a regulated entity for a specified period 
and no capital repayments during that same period; 
“introductory interest rate” means an interest rate favourable to the consumer


key: chroma:document
string_value:
“introductory interest rate” means an interest rate favourable to the consumer 
that applies for a specified period of time at the beginning of the contract;  
“investment product” means:   
(a) 
an “investment instrument” within the meaning of section 2 of the 
Investment Intermediaries Act 1995 and “crypto–asset” within 
the meaning of article 3 of MiCAR, and   
(b) 
an insurance product which offers a maturity or surrender value


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string_value:
(b) 
an insurance product which offers a maturity or surrender value 
and where that maturity or surrender value is wholly or partially 
exposed, directly or indirectly, to market fluctuations but does not 
include –   
(i) 
non–life insurance products as listed in Annex I to Directive 
2009/138/EC of the European Parliament and of the 
Council of 25 November 20094, and   
(ii) 
life insurance contracts where the benefits under the 
contract are payable only on death or in respect of


key: chroma:document
string_value:
contract are payable only on death or in respect of 
incapacity due to injury, sickness or disability;  
 
4 OJ No. L 335, 17.12.2009, p. 1 
[81]  29 
 
“key information” means any information which is likely to influence a 
consumer’s actions with regard to a financial service;  
“life insurance” means insurance of a class falling within Schedule 2 to the 
Insurance and Reinsurance Regulations or Annex I to the European 
Communities (Life Assurance) Framework Regulations 1994;


key: chroma:document
string_value:
Communities (Life Assurance) Framework Regulations 1994;  
“lifetime mortgage” means a loan secured on a borrower’s residential property 
where –  
(a) 
interest payments are rolled up on top of the capital throughout 
the term of the loan,  
(b) 
the capital is repaid on a specified event or events, or by 
repayments as detailed in the terms of the loan, and  
(c) 
the borrower retains ownership of the residential property;


key: chroma:document
string_value:
(c) 
the borrower retains ownership of the residential property;  
“MABS” means the Money Advice and Budgeting Service established by the 
State to provide money advice services; 
“Member State” means a state that is a member of the European Union and, 
where relevant, includes a contracting party to the Agreement on the European 
Economic Area signed at Oporto on 2 May 1992 as adjusted by all subsequent 
amendments to that agreement;


key: chroma:document
string_value:
amendments to that agreement;  
“MiCAR” means Regulation (EU) 2023/1114 of the European Parliament and 
of the Council of 31 May 20235; 
“MiFID Article 3 services” means the services specified in Regulation 4(3) of 
the MiFID Regulations 2017, transposing Article 3(1)(b) and Article 3(1)(c) of 
Directive 2014/65/EU of the European Parliament and of the Council of 15 May 
20146; 
“MiFID Delegated Regulation” means Commission Delegated Regulation (EU)


key: chroma:document
string_value:
20146; 
“MiFID Delegated Regulation” means Commission Delegated Regulation (EU) 
2017/565 of 25 April 2016 supplementing Directive 2014/65/EU of the 
European Parliament and of the Council7; 
“MiFID Regulations 2017” means the European Union (Markets in Financial 
Instruments) Regulations 2017 (S.I. No. 375 of 2017); 
“mortgage borrower” means a mortgage borrower that is an individual and 
includes all individuals that are parties named on the mortgage loan account;


key: chroma:document
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includes all individuals that are parties named on the mortgage loan account;  
“mortgage intermediary” has the meaning specified in section 2 of the Act of 
1995 and shall include a mortgage credit intermediary within the meaning of 
Regulation 3 of the European Union (Consumer Mortgage Credit Agreements) 
Regulations 2016 (S.I. No. 142 of 2016); 
“non–life insurance” means insurance of a class falling within Part 1 of Schedule


key: chroma:document
string_value:
“non–life insurance” means insurance of a class falling within Part 1 of Schedule 
1 to the Insurance and Reinsurance Regulations or Part A of Annex I to the 
European Communities (Non–Life Insurance) Framework Regulations 1994; 
“officer” has the meaning given to it in section 28 of the Act of 1997;  
 
5 OJ L 150, 9.6.2023, p. 40 
6 OJ L 173, 12.6.2014, p. 349 
7 OJ L 87, 31.3.2017, p. 1 
30  [81] 
“payment service” has the meaning given to it in Article 4 of Directive


key: chroma:document
string_value:
30  [81] 
“payment service” has the meaning given to it in Article 4 of Directive 
2015/2366/EU of the European Parliament and of the Council of 25 November 
2015; 
“person” means, unless otherwise specified, a natural person or a legal person;  
“personal consumer” means a consumer who is a natural person acting outside 
his or her business, trade or profession;  
“power of attorney” has the meaning given to it in the Powers of Attorney Act 
1996 (No. 12 of 1996);


key: chroma:document
string_value:
1996 (No. 12 of 1996);  
“PRIIPs Regulation” means Regulation (EU) No 1286/2014 of the European 
Parliament and of the Council of 26 November 20148; 
“product producer” means any regulated entity that produces, manufactures or 
packages a product of a financial or investment nature, and is not limited to a 
product producer as defined in the Investment Intermediaries Act 1995;  
“Prospectus Regulation” means Regulation (EU) 2017/1129 of the European


key: chroma:document
string_value:
“Prospectus Regulation” means Regulation (EU) 2017/1129 of the European 
Parliament and of the Council of 14 June 20179; 
“protection policies” includes the following:   
(a) 
policies of non–life insurance;  
(b) 
policies of life insurance of classes 1, 3 or 4 as set out in Schedule 
2 to the Insurance and Reinsurance Regulations, or classes I, III 
or IV as set out in Annex I to the European Communities (Life 
Assurance) Framework Regulations 1994, where the purpose and


key: chroma:document
string_value:
Assurance) Framework Regulations 1994, where the purpose and 
intention of the policy is solely to provide benefits on death or in 
respect of incapacity due to injury, sickness or disability;  
“record” means any document, file or other record of information, whether 
stored electronically or otherwise, and which is capable of being reproduced in 
a legible form;  
“regulated activities” means the provision of financial services that are provided


key: chroma:document
string_value:
“regulated activities” means the provision of financial services that are provided 
in the State by a regulated entity and which are subject to the regulation of the 
Bank and a “regulated activity” is the provision of any one such financial service;  
“regulated entity” means a financial services provider authorised, registered or 
licensed by – 
(a) 
the Bank,  
(b) 
a state (other than the State) that is a member of the European 
Union, or 
(c)


key: chroma:document
string_value:
the Bank,  
(b) 
a state (other than the State) that is a member of the European 
Union, or 
(c) 
a state (other than the State) that is a contracting party to the 
Agreement on the European Economic Area signed at Oporto on 
2 May 1992, as adjusted by all subsequent amendments to that 
agreement, 
that is providing regulated activities in the State; 
“related undertaking” means –   
 
8 OJ L 352, 9.12.2014, p. 1 
9 OJ L 168, 30.6.2017, p. 12 
[81]  31 
 
(a)


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string_value:
8 OJ L 352, 9.12.2014, p. 1 
9 OJ L 168, 30.6.2017, p. 12 
[81]  31 
 
(a) 
companies related within the meaning of section 2(10) of the Act 
of 2014,  
(b) 
undertakings where the business of those undertakings is carried 
on in such a way that the separate business of each undertaking, 
or a substantial part thereof, is not readily identifiable, or  
(c) 
undertakings where the decision as to how and by whom each 
shall be managed can be made either by the same person or by the


key: chroma:document
string_value:
shall be managed can be made either by the same person or by the 
same group of persons acting in concert;  
“residential property” has the meaning given to it in Regulation 2(1) of the 
Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Housing 
Loan Requirements) Regulations 2022 (S.I. No. 546 of 2022); 
“terms of business” means the document in which a regulated entity sets out the 
basis on which it will conduct business with consumers;


key: chroma:document
string_value:
basis on which it will conduct business with consumers;  
“tracker bond” means a deposit or life insurance policy which has either or both 
of the following features:   
(a) 
it provides for a minimum payment, at the expiration of a 
specified period of time, of a specified percentage of the amount 
of capital invested by a consumer in the product;  
(b) 
it provides for a potential cash bonus payable after a specified 
period of time, which is linked to, or determined by, changes over


key: chroma:document
string_value:
period of time, which is linked to, or determined by, changes over 
the period of investment in the level of one or more recognised 
stock market indices, commodity prices, any other recognised 
financial indices or the price of one or more securities specified 
at the outset or from time to time;  
“tracker interest rate” means a mortgage interest rate which tracks a rate which 
comes from a publicly available source which can be verified by both the


key: chroma:document
string_value:
comes from a publicly available source which can be verified by both the 
consumer and the regulated entity, including without limitation, a rate that tracks 
the European Central Bank main refinancing operations rate;  
“working day” means a day which is not a Saturday, Sunday or public holiday.  
(2) Unless otherwise stated – 
(a) 
references to provision of products means provision of financial 
services the subject of these Regulations, and 
(b)


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string_value:
services the subject of these Regulations, and 
(b) 
references to the provision of services in these Regulations 
include the provision of advice. 
(3) For the purposes of the definition of “customer” in paragraph (1), 
“relevant borrower”, “credit servicing”, “credit agreement”, “consumer–hire 
agreement”, “hire–purchase agreement” and “hirer” have the same meaning as 
in Part V of the Act of 1997. 
(4) Where a high cost credit provider is engaged in the activity of providing


key: chroma:document
string_value:
(4) Where a high cost credit provider is engaged in the activity of providing 
high cost credit, “consumer” means a consumer within the meaning of the Act 
of 1995. 
 
 
 
32  [81] 
Scope and application  
3. (1) These Regulations apply to the regulated activities of regulated 
entities operating in the State.  
(2) Subject to paragraph (1), unless specified in an individual Regulation, 
Chapter or Part, these Regulations apply in respect of – 
(a)


key: chroma:document
string_value:
Chapter or Part, these Regulations apply in respect of – 
(a) 
customers in the State that are consumers or, where specified, 
personal consumers, mortgage borrowers, or consumers within 
the meaning of the Act of 1995, and 
(b) 
insofar as concerns Chapter 10 of Part 4, unless otherwise 
specified in the context of an individual regulation of that 
Chapter, claimants in the State. 
(3) Where these Regulations apply, the application of these Regulations is


key: chroma:document
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(3) Where these Regulations apply, the application of these Regulations is 
further subject to Regulations 4 to 14. 
(4) These Regulations do not apply in the circumstances referred to in 
Regulation 15. 
 
Restricted application where European Communities (Consumer Credit 
Agreements) Regulations 2010 apply  
4. (1) Where a regulated entity is providing credit under credit agreements 
which fall within the scope of the European Communities (Consumer Credit


key: chroma:document
string_value:
which fall within the scope of the European Communities (Consumer Credit 
Agreements) Regulations 2010 (S.I. No. 281 of 2010), only the following 
provisions of these Regulations, in addition to this Part and Part 6, apply to that 
regulated entity:  
(a) 
The following provisions of Part 2: 
(i) 
Regulations 20 to 29;  
(ii) 
Chapters 3 and 4;  
(iii) Regulations 44 to 46;  
(iv) Regulations 71(1) to 71(5);  
(v) 
Chapter 8;  
(vi) Chapters 10 to 15;  
(b) 
The following provisions of Part 3:


key: chroma:document
string_value:
(v) 
Chapter 8;  
(vi) Chapters 10 to 15;  
(b) 
The following provisions of Part 3: 
(i) 
Regulation 137; 
(ii) 
Regulation 167; 
(iii) Chapters 3, 5, 7 and 10; 
(c) 
Chapter 3 of Part 4;  
(d) 
Regulation 369 and Chapter 5 of Part 5.  
(2) This Regulation applies subject to Regulation 6. 
 
 
 
[81]  33 
 
Restricted application where European Union (Consumer Mortgage Credit 
Agreements) Regulations 2016 apply 
5. (1) The following Regulations do not apply to activities within the scope


key: chroma:document
string_value:
5. (1) The following Regulations do not apply to activities within the scope 
of the European Union (Consumer Mortgage Credit Agreements) Regulations 
2016:  
(a) 
Regulation 16(11);  
(b) 
Regulation 30, Regulation 31 and Regulation 33; 
(c) 
Regulation 61;  
(d) 
Regulation 66;  
(e) 
Regulation 90 and Regulation 91;  
(f) 
Regulation 130(4);  
(g) 
Regulation 164(a) and Regulation 164(c). 
(2) The following Regulations do not apply to the provision of advisory


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(2) The following Regulations do not apply to the provision of advisory 
services and credit intermediate services when within the scope of the European 
Union (Consumer Mortgage Credit Agreements) Regulations 2016:  
(a) 
Regulation 27(1)(a);  
(b) 
Regulation 67;  
(c) 
Regulation 163.  
 
Restricted application to high cost credit providers  
6. 
Where a high cost credit provider is engaged in the activity of providing


key: chroma:document
string_value:
6. 
Where a high cost credit provider is engaged in the activity of providing 
high cost credit, only the following provisions of these Regulations, in addition 
to this Part and Part 6, apply to that high cost credit provider:  
(a) 
The following provisions of Part 2: 
(i) 
Chapter 3; 
(ii) 
Regulation 45, Regulation 49 and Regulation 50;  
(iii) Regulation 71(1) to Regulation 71(5), and Regulation 72;  
(iv) Regulation 74, Regulation 77(1)(a), Regulation 77(1)(b),


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string_value:
(iv) Regulation 74, Regulation 77(1)(a), Regulation 77(1)(b), 
Regulation 77(2)(a) to Regulation 77(2)(g), Regulation 78, 
Regulation 79, Regulation 80(a), Regulation 80(d), 
Regulation 82, Regulation 85(a), Regulation 85(c), 
Regulation 85(d) and Regulation 87; 
(v) 
Chapters 11, 12 and 14; 
(vi) Regulation 119, Regulation 120, and Regulation 128; 
(b) 
The following provisions of Part 3: 
(i) 
Chapter 8;  
(ii) 
Regulation 274 (and for that purpose, reference to "arrears"


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string_value:
(i) 
Chapter 8;  
(ii) 
Regulation 274 (and for that purpose, reference to "arrears" 
in Regulation 274 shall be read as referring to "arrears" as 
defined in Regulation 280);  
34  [81] 
(iii) Chapter 11.  
Restricted application to credit unions  
7. 
These Regulations apply to credit union activities only when acting as 
insurance intermediaries. 
 
Restricted application in respect of relevant activities related to SMEs  
8.


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Restricted application in respect of relevant activities related to SMEs  
8. 
Chapter 12 of Part 2, and Regulation 115(1)(m) do not apply to the extent 
that the complaint is in relation to one or more “relevant activities” within the 
meaning of that term in Regulation 2 of the Central Bank (Supervision and 
Enforcement) Act 2013 (Section 48) (Lending to Small and Medium–Sized 
Enterprises) Regulations 2015 (S.I. No. 585 of 2015).


key: chroma:document
string_value:
Enterprises) Regulations 2015 (S.I. No. 585 of 2015). 
 
Restricted application where providing payment services or issuing electronic 
money 
9. (1) Where a regulated entity is providing payment services or issuing 
electronic money, only the following provisions of these Regulations, in addition 
to this Part and Part 6, apply to that regulated entity:  
(a) 
The following provisions of Part 2: 
(i) 
Regulations 22 to 29; 
(ii) 
Chapters 3 and 4; 
(iii) Regulation 71(1) to 71(6);


key: chroma:document
string_value:
(i) 
Regulations 22 to 29; 
(ii) 
Chapters 3 and 4; 
(iii) Regulation 71(1) to 71(6);  
(iv) Chapter 8; 
(v) 
Regulation 74, and Regulations 77 to 88;  
(vi) Chapters 10 to 13; 
(vii) subparagraphs (a) (b), (c), (d), (e), (f), (j), (k), (m) and (n) 
of Regulation 115(1), and Regulations 117 to 118; 
(viii) Regulations 119 and 120; 
(b) 
The following provisions of Part 3: 
(i) 
Regulations 155 and 156; 
(ii) 
Regulation 164; 
(iii) Chapter 10.


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(i) 
Regulations 155 and 156; 
(ii) 
Regulation 164; 
(iii) Chapter 10. 
(2) Paragraph (1) is subject to Regulation 10, Regulation 97(2), Regulation 
98(3), and Regulation 105(5). 
(3) In this Regulation, “electronic money” has the meaning given to it in 
Regulation 3 of the European Communities (Electronic Money) Regulations 
2011 (S.I. No. 183 of 2011).  
 
 
 
[81]  35 
 
Restricted application to regulated entities providing solely account information 
services


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Restricted application to regulated entities providing solely account information 
services 
10. Where a regulated entity is providing solely account information 
services, Chapter 12 of Part 2, and Regulation 115(1)(m) do not apply to that 
regulated entity. 
 
Restricted application to insurance distributors and insurance–based investment 
products 
11. (1) Regulation 27, Regulation 59, Regulation 61, Regulations 90 to 91, 
and Chapter 5 of Part 5 do not apply to insurance distributors.


key: chroma:document
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and Chapter 5 of Part 5 do not apply to insurance distributors.  
(2) Regulation 22, Regulation 24, Regulation 26, Regulations 28 to 29 and 
Regulation 66 do not apply to the distribution of insurance–based investment 
products.  
(3) Chapter 1 of Part 2 and Regulation 370 do not apply to the provision of 
advice on insurance–based investment products. 
(4) In this Regulation, “insurance distributor” has the meaning given to it by 
Regulation 2 of the Insurance Distribution Regulations.


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string_value:
Regulation 2 of the Insurance Distribution Regulations. 
 
Restricted application to packaged retail and insurance–based investment 
products 
12. Regulations 59, 371, and 376, and Schedule 7 do not apply in relation to 
packaged retail and insurance–based investment products within the scope of the 
PRIIPs Regulation. 
 
Restricted application to crowdfunding services 
13. Where a regulated entity is providing crowdfunding services, only the


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string_value:
13. Where a regulated entity is providing crowdfunding services, only the 
following provisions of these Regulations, in addition to this Part and Part 6, 
apply to that regulated entity: 
(a) 
The following provisions of Part 2: Regulation 71(7), Regulation 
74, Regulations 77 to 79, Regulation 80(a), Regulation 80(d), 
Regulations 81 to 84, Regulation 85(a), Regulation 85(c), 
Regulation 85(d), and Regulations 87 to 89; 
(b) 
The following provisions of Part 5 (such following provisions


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string_value:
(b) 
The following provisions of Part 5 (such following provisions 
apply notwithstanding Regulation 381): Regulation 386, 
Regulation 389, Regulation 391, and Regulation 396. 
 
Restricted application to MiCAR services 
14. Where a regulated entity is providing a service regulated under MiCAR, 
only the following provisions of these Regulations, in addition to this Part and 
Part 6, apply to that regulated entity: 
(a) 
The following provisions of Part 2:  
36  [81] 
(i)


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string_value:
Part 6, apply to that regulated entity: 
(a) 
The following provisions of Part 2:  
36  [81] 
(i) 
Regulation 16(9), Regulation 16(13), Regulation 18(6) and 
Regulation 18(7); 
(ii) 
Chapters 3 and 4; 
(iii) Regulations 44 to 45, Regulation 49, Regulation 51(1), 
Regulation 51(2), Regulation 51(4), Regulations 60 to 65; 
(iv) Regulations 69 to 70; 
(v) 
Regulation 71(1) to (6);  
(vi) Chapter 8; 
(vii) Regulations 74 to 78, Regulations 80 to 83, Regulation 85,


key: chroma:document
string_value:
(vi) Chapter 8; 
(vii) Regulations 74 to 78, Regulations 80 to 83, Regulation 85, 
Regulation 87, and Regulation 88; 
(viii) Chapter 11; 
(ix) Regulations 101 to 104, and Regulation 106; 
(x) 
Regulation 
108, 
Regulation 
109(1)(a), 
Regulation 
109(1)(b), Regulation 109(1)(d), Regulation 109(2), 
Regulation 110(1)(a) to (d), Regulation 110(2), and 
Regulations 111 to 114; 
(xi) Regulation 115(1)(a) to (l), Regulation 115(1)(n), 
Regulation 115(2), and Regulations 116 to 118;


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string_value:
Regulation 115(2), and Regulations 116 to 118; 
(xii) Regulation 120, Regulations 124 to 125, and Regulation 
128; 
(b) 
The following provisions of Part 5:  
(i) 
Regulations 369 to 370; 
(ii) 
Regulation 372; 
(iii) Regulations 381 to 399; 
(iv) Regulations 402 to 405. 
 
Circumstances in which these Regulations do not apply 
15. These Regulations do not apply to the following: 
(a) 
services provided by regulated entities to persons outside the 
State;  
(b)


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(a) 
services provided by regulated entities to persons outside the 
State;  
(b) 
any service or activity set out in Schedule 1 of the MiFID 
Regulations 2017, but not including any service or activity of a 
person to whom such Regulations do not apply by virtue of 
Regulation 4(3) of the MiFID Regulations 2017;  
(c) 
reinsurance business. 
 
 
[81]  37 
 
Part 2 
GENERAL CONSUMER PROTECTION REQUIREMENTS 
Chapter 1 
Knowing the consumer and suitability


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GENERAL CONSUMER PROTECTION REQUIREMENTS 
Chapter 1 
Knowing the consumer and suitability 
 
Knowing the consumer – information to be gathered and recorded  
16. (1) A regulated entity shall gather and keep a record of sufficient 
information from a consumer in accordance with this Regulation prior to 
offering, recommending, arranging or providing a financial service appropriate 
to that consumer. 
(2) For the purposes of paragraph (1), the regulated entity shall gather 
information that is –


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(2) For the purposes of paragraph (1), the regulated entity shall gather 
information that is – 
(a) 
appropriate to the nature and complexity of the financial service 
sought by the consumer, and  
(b) 
sufficient to provide a professional service to the consumer. 
(3) The information referred to in paragraphs (1) and (2) shall include 
information on the consumer’s – 
(a) 
needs and objectives,  
(b) 
personal circumstances, 
(c) 
financial situation,  
(d)


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string_value:
(a) 
needs and objectives,  
(b) 
personal circumstances, 
(c) 
financial situation,  
(d) 
where relevant, attitude to risk, and 
(e) 
any sustainability preferences with regard to the financial service. 
(4) For the purposes of paragraph (3)(a), the information shall include, where 
relevant, information on – 
(a) 
the length of time for which the consumer wishes to hold a 
product, 
(b) 
the consumer’s need for access to funds, including emergency 
funds, and 
(c)


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product, 
(b) 
the consumer’s need for access to funds, including emergency 
funds, and 
(c) 
the consumer’s need for accumulation of funds. 
(5) For the purposes of paragraph (3)(b), the information shall include, 
where relevant, information on the consumer’s – 
(a) 
age, 
(b) 
health, 
(c) 
knowledge and experience of financial products, 
(d) 
dependents, 
(e) 
employment status, and 
(f) 
known future changes to his or her circumstances. 
38  [81]


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(e) 
employment status, and 
(f) 
known future changes to his or her circumstances. 
38  [81] 
(6) For the purposes of paragraph (3)(c), the information shall include, where 
relevant, information on the consumer’s – 
(a) 
income, 
(b) 
savings, 
(c) 
financial products and other assets, and 
(d) 
debts and financial commitments. 
(7) For the purposes of paragraph (3)(d) the information shall include, in 
particular, the importance of capital security to the consumer.


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particular, the importance of capital security to the consumer. 
(8) The requirement to include information on a matter referred to in 
paragraph (3)(a) to (e), paragraph 4(a) to (c), paragraph 5(a) to (f), paragraph 
6(a) to (d) or paragraph (7), does not apply in respect of that matter unless the 
gathering and recording of information on that matter is relevant to an 
assessment of suitability to be carried out by a regulated entity pursuant to this 
Chapter.


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assessment of suitability to be carried out by a regulated entity pursuant to this 
Chapter.  
(9) Prior to offering, recommending, arranging or providing a further 
financial service to the consumer, a regulated entity shall – 
(a) 
seek confirmation of whether there are any material changes to 
the information gathered from a consumer pursuant to paragraphs 
(1) to (8),  
(b) 
gather information on any such material changes, and  
(c) 
keep a record of any such material changes.


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(c) 
keep a record of any such material changes.  
(10) For the purposes of paragraph (9), where there is no material change, 
the regulated entity shall make a note of this on the consumer’s records. 
(11) Where a consumer refuses to provide the information requested by a 
regulated entity for the purposes of paragraphs (1) to (10), the regulated entity 
shall inform the consumer that, as it does not have the relevant information


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shall inform the consumer that, as it does not have the relevant information 
necessary to assess suitability, it cannot offer, recommend, arrange or provide 
the consumer the financial service sought. 
(12) Paragraph (11) does not apply to insurance intermediaries or insurance 
undertakings carrying out insurance distribution activities in relation to sales of 
insurance–based investment products where no advice is provided.


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insurance–based investment products where no advice is provided. 
(13) A regulated entity shall endeavour to ensure that a consumer certifies 
the accuracy of the information that it has provided to the regulated entity 
pursuant to paragraphs (1) to (10). 
 
Assessing and ensuring suitability 
17. (1) A regulated entity shall assess the suitability of a financial service 
for a consumer in accordance with this Regulation.


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for a consumer in accordance with this Regulation.   
(2) When assessing the suitability of a financial service for a consumer, the 
regulated entity shall assess and document whether, on the basis of the 
information gathered in accordance with Regulation 16(1) to (10), excluding 
information on sustainability preferences with regard to the financial service –  
[81]  39 
 
(a) 
the financial service meets that consumer’s needs and objectives


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[81]  39 
 
(a) 
the financial service meets that consumer’s needs and objectives 
and whether there is a more suitable financial service available, 
(b) 
the consumer – 
(i) 
is likely to be able to meet the financial commitment 
associated with the product on an ongoing basis, and 
(ii) 
is financially able to bear any risks attaching to the financial 
service, and 
(c) 
the financial service is consistent with the consumer’s attitude to 
risk.


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service, and 
(c) 
the financial service is consistent with the consumer’s attitude to 
risk. 
(3) A regulated entity shall ensure that any financial service offered to a 
consumer is suitable for that consumer, having regard to the facts disclosed by 
the consumer and other relevant facts about that consumer of which the regulated 
entity is aware. 
(4) Where a regulated entity offers a selection of product options to a


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entity is aware. 
(4) Where a regulated entity offers a selection of product options to a 
consumer, the product options contained in the selection shall represent the most 
suitable from the range available from the regulated entity. 
(5) Where a regulated entity recommends a product to a consumer, the 
recommended product shall be the most suitable product for that consumer 
having regard to the facts referred to in paragraph (3). 
 
Statement of suitability to be provided


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Statement of suitability to be provided 
18. (1) Prior to providing or arranging a financial service, a regulated entity 
shall prepare, sign and date a statement of suitability on paper or on another 
durable medium and shall provide it to the consumer. 
(2) The statement of suitability shall set out one of the following, as 
applicable: 
(a) 
the reasons why a financial service offered to a consumer is 
considered to be suitable to that consumer;  
(b)


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considered to be suitable to that consumer;  
(b) 
the reasons why the product options contained in a selection of 
product options offered to a consumer are considered to be the 
most suitable to that consumer;  
(c) 
the reasons why a recommended product is considered to be the 
most suitable product for that consumer. 
(3) The reasons set out in the statement of suitability shall apply the 
information gathered under Regulation 16(1) to (10), where applicable,


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information gathered under Regulation 16(1) to (10), where applicable, 
excluding information on any sustainability preferences with regard to the 
financial service, to explain to the consumer how the financial service offered or 
recommended meets, where relevant, the consumer’s – 
(a) 
needs and objectives, 
(b) 
personal circumstances, and  
(c) 
financial situation. 
40  [81] 
(4) The statement of suitability shall include an outline of how each of the


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40  [81] 
(4) The statement of suitability shall include an outline of how each of the 
following is aligned with the consumer’s attitude to risk, where relevant: 
(a) 
the risk profile of the product;  
(b) 
the nature, extent and limitations of any guarantee attached to the 
product. 
(5) The statement of suitability shall identify where a financial service set 
out in the statement of suitability meets any sustainability preferences gathered


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out in the statement of suitability meets any sustainability preferences gathered 
from the consumer in accordance with Regulation 16. 
(6) A regulated entity shall include a notice in the following format at the 
beginning of the statement of suitability: 
“Important Notice – Statement of Suitability  
This is an important document which sets out the reasons why the 
product(s) or service(s) offered or recommended is/are considered


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product(s) or service(s) offered or recommended is/are considered 
suitable, or the most suitable, for your particular needs, objectives and 
circumstances.” 
(7) Where a regulated entity has provided an oral explanation to the 
consumer of the financial service offered or recommended, a regulated entity 
shall include a record of this explanation in, or with, the statement of suitability. 
(8) This Regulation does not apply where a regulated entity is providing debt 
management services.


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management services. 
 
Exemption from knowing the consumer and suitability requirements 
19. (1) The requirements referred to in paragraph (4) do not apply if any of 
the following situations arise: 
(a) 
the consumer has instructed a regulated entity that the consumer 
wishes to proceed with respect to a product, specifying the name 
of the product and the product producer, and the consumer has 
not received any assistance from the regulated entity in the choice


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not received any assistance from the regulated entity in the choice 
of either or both that product and product producer;  
(b) 
the consumer is seeking a term deposit of less than one year or a 
notice deposit account and the regulated entity has informed the 
consumer of any restrictions on the term deposit or notice deposit 
account; 
(c) 
an insurance intermediary or insurance undertaking is carrying 
out insurance distribution in relation to sales of insurance–based


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out insurance distribution in relation to sales of insurance–based 
investment products and all of the requirements in Regulation 
42(4) of the Insurance Distribution Regulations are satisfied. 
(2) Paragraph 1(a) does not apply where a personal consumer is seeking any 
of the following: 
(a) 
a credit amount above €75,000; 
(b) 
a mortgage loan; 
(c) 
a home reversion agreement. 
[81]  41 
 
(3) If the situation referred to in paragraph 1(a) applies, prior to providing an


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[81]  41 
 
(3) If the situation referred to in paragraph 1(a) applies, prior to providing an 
investment product to a consumer, a regulated entity shall warn the consumer, 
on paper or on another durable medium, that the regulated entity does not have 
the information necessary to determine the suitability of that product for the 
consumer. 
(4) The requirements referred to in paragraph (1) are the following: 
Regulations 16 to 18, Chapter 1 of Part 3, Regulations 340 and 341, and


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Regulations 16 to 18, Chapter 1 of Part 3, Regulations 340 and 341, and 
Regulation 370. 
 
Chapter 2 
Conflicts of interest and information about remuneration 
 
Fees, commissions, rewards (etc.) permitted to be paid or provided to certain 
persons only 
20. A regulated entity may pay or provide a fee, commission, other reward 
or remuneration in respect of the provision of regulated activities only to a person 
that is any of the following: 
(a) 
a regulated entity; 
(b) 
a certified person;


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that is any of the following: 
(a) 
a regulated entity; 
(b) 
a certified person; 
(c) 
an individual for whom a regulated entity has taken full and 
unconditional responsibility under the Investment Intermediaries 
Act 1995; 
(d) 
an agent, branch or entity to which activities are outsourced in 
accordance with the European Union (Payment Services) 
Regulations 2018 (S.I. No. 6 of 2018) where the regulated entity 
remains fully liable for the acts of that agent, branch or entity to


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remains fully liable for the acts of that agent, branch or entity to 
which activities are outsourced; 
(e) 
a distributor, agent, branch or entity to which activities are 
outsourced in accordance with the European Communities 
(Electronic Money) Regulations 2011 where the regulated entity 
remains fully liable for the acts of that distributor, agent, branch 
or entity to which activities are outsourced; 
(f) 
a person that is specifically exempted by law from a requirement


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(f) 
a person that is specifically exempted by law from a requirement 
to hold an authorisation, licence or registration to carry out the  
regulated activity in respect of which the fee, commission, other 
reward or remuneration is paid; 
(g) 
a credit intermediary within the meaning of the Act of 1995 and 
the European Communities (Consumer Credit Agreements) 
Regulations 2010;  
(h) 
a person that is no longer providing a regulated activity, but the


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Regulations 2010;  
(h) 
a person that is no longer providing a regulated activity, but the 
fee, commission, other reward or remuneration is paid in respect 
of a regulated activity that the person provided when the person 
was a person referred to in any of paragraphs (a) to (g). 
42  [81] 
Conditions where fees, commissions, rewards (etc.) are paid or provided 
21. (1) A regulated entity shall ensure that, in providing a regulated activity


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21. (1) A regulated entity shall ensure that, in providing a regulated activity 
to a consumer, if it pays or provides, or is paid or provided with, any fee, 
commission, other reward or remuneration in connection with the provision of 
that regulated activity to or by any person other than the consumer or a person 
acting on behalf of the consumer, the fee, commission, other reward or 
remuneration – 
(a) 
does not impair compliance with the regulated entity’s duty to act


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remuneration – 
(a) 
does not impair compliance with the regulated entity’s duty to act 
honestly, fairly and professionally in the best interests of the 
consumer, 
(b) 
does not impair compliance with the regulated entity’s obligation 
to satisfy the conflicts of interest requirements set out in this Part 
and, as applicable, the Insurance Distribution Regulations,  
(c) 
does not impair compliance with the regulated entity’s obligation


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(c) 
does not impair compliance with the regulated entity’s obligation 
to satisfy suitability requirements and, as applicable, the 
Insurance Distribution Regulations, and  
(d) 
in the case of a non–monetary benefit, is designed to enhance the 
quality of the service to the consumer. 
(2) In this Regulation “suitability requirements” means the following 
Regulations:  
(a) 
Regulations 17 and 18; 
(b) 
Chapter 1 of Part 3; 
(c) 
Regulations 182 to 184; 
(d) 
Regulations 340 and 341; 
(e)


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(b) 
Chapter 1 of Part 3; 
(c) 
Regulations 182 to 184; 
(d) 
Regulations 340 and 341; 
(e) 
Regulation 370. 
 
Conflicts of interest policy to be in place 
22. (1) A regulated entity shall establish, maintain and adhere to a robust 
conflicts of interest policy appropriate to the nature, scale and complexity of the 
regulated activities carried out by the regulated entity. 
(2) The conflicts of interest policy referred to in paragraph (1) shall with 
reference to its regulated activities –


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reference to its regulated activities – 
(a) 
identify the circumstances which constitute, or may give rise to, 
a conflict of interest with respect to its consumers, including those 
conflicts that are the subject of Regulation 23, and 
(b) 
specify procedures to be followed, and measures to be adopted, 
to properly identify and manage any conflicts identified, 
excluding those conflicts that are the subject of the obligation 
referred to in Regulation 23 and which therefore must be avoided.


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referred to in Regulation 23 and which therefore must be avoided. 
 
 
 
[81]  43 
 
Certain conflicts of interest that are to be avoided 
23. A regulated entity shall avoid conflicts of interest relating to the 
following:  
(a) 
fees, commission, other rewards or remuneration linked to the 
achievement of targets that do not consider a consumer’s best 
interests, including targets relating to volume (including override 
commission) and bonus payments linked to business retention;  
(b)


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commission) and bonus payments linked to business retention;  
(b) 
agreements under which the regulated entity receives a fee, 
commission, other reward or remuneration in the form of goods 
or services, in return for which it agrees to direct business through 
or in the way of another person.  
 
Steps in respect of conflicts of interest that may be managed 
24. (1) This Regulation does not apply to conflicts of interest that are the


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24. (1) This Regulation does not apply to conflicts of interest that are the 
subject of Regulation 23 on the basis that those conflicts are required to be 
avoided pursuant to that Regulation and there are no circumstances in which 
such conflicts are permitted to be managed pursuant to paragraphs (2) and (3). 
(2) Where a conflict of interest arises with respect to a consumer and cannot 
be reasonably avoided, a regulated entity shall – 
(a)


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be reasonably avoided, a regulated entity shall – 
(a) 
disclose the nature and source of the conflict of interest to the 
consumer, and 
(b) 
ensure that the conflict does not result in any damage to the 
interests of that consumer. 
(3) For the purposes of this Regulation, a regulated entity may not provide a 
regulated activity to a consumer if a conflict arises directly or indirectly unless 
– 
(a) 
the regulated entity has fully and transparently disclosed the


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– 
(a) 
the regulated entity has fully and transparently disclosed the 
existence and details of the conflict in writing, 
(b) 
the consumer has acknowledged, on paper or on another durable 
medium, that he or she understands the conflict and wishes to 
proceed, and  
(c) 
the regulated entity has taken all steps within its control to 
appropriately manage the conflict and minimise the impact of the 
conflict on the consumer.


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appropriately manage the conflict and minimise the impact of the 
conflict on the consumer.   
 
No specified level of consumer business to be required of intermediary in order 
to retain appointment 
25. (1) A regulated entity shall not require an intermediary to provide a 
specified level of business from consumers in order to retain an appointment 
from that regulated entity. 
(2) This Regulation applies only to a regulated entity that distributes its


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(2) This Regulation applies only to a regulated entity that distributes its 
products to consumers through an intermediary. 
44  [81] 
Product producers – commission paid to intermediary based on levels of 
business provided 
26. (1) This Regulation applies to a product producer that distributes its 
products to consumers through an intermediary and pays commission to an 
intermediary based on levels of business provided by that intermediary.


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intermediary based on levels of business provided by that intermediary. 
(2) A product producer shall ensure that the arrangements referred to in 
paragraph (1) – 
(a) 
do not impair the intermediary’s duty to act in the best interests 
of consumers, and 
(b) 
do not give rise to a conflict of interest between the intermediary 
and a consumer. 
 
Conditions for employee remuneration arrangements 
27. (1) A regulated entity shall not structure its remuneration arrangements


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27. (1) A regulated entity shall not structure its remuneration arrangements 
with employees such that they could result in employees providing, arranging or 
recommending a financial service to a consumer in a manner that may be 
inconsistent with the regulated entity’s obligations – 
(a) 
to act in the best interests of consumers, and 
(b) 
to satisfy suitability requirements. 
(2) In this Regulation, “suitability requirements” has the meaning given to it in 
Regulation 21(2).


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Regulation 21(2). 
 
Information barriers to be put in place 
28. (1) A regulated entity shall put in place effective information barriers 
between different employees and business areas of the regulated entity, and 
between the regulated entity and its connected parties, in relation to information 
which could give rise to a conflict of interest with consumers. 
(2) A regulated entity shall establish, maintain and adhere to procedures


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(2) A regulated entity shall establish, maintain and adhere to procedures 
relating to the robust maintenance of information barriers and the consequences 
for and handling of breaches of information barriers.  
(3) A regulated entity shall notify the procedures referred to in paragraph (2) 
to officers and employees of the regulated entity for whom the procedures are 
relevant. 
(4) In this Regulation, “information barriers” means an arrangement within


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relevant. 
(4) In this Regulation, “information barriers” means an arrangement within 
the regulated entity, or between the regulated entity and any associate of that 
regulated entity, which requires information held, or the fact of information held 
by the regulated entity, or as the case may be, any associate of that regulated 
entity, or a particular operating unit within the regulated entity or within any 
associate of that regulated entity in the course of carrying on one part of its


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associate of that regulated entity in the course of carrying on one part of its 
business of any kind, to be withheld and properly segregated in certain 
circumstances from other operating units or from persons with whom it deals in 
the course of carrying on another part of its business of any kind in order to 
[81]  45 
 
preserve the confidentiality of the information and avoid a potential conflict of 
interests.


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preserve the confidentiality of the information and avoid a potential conflict of 
interests. 
 
Offering, giving, accepting (etc.) gifts or rewards not to create conflict of interest 
29. Subject to Regulation 23, a regulated entity shall take reasonable steps to 
ensure that it or any of its officers or employees do not offer, give, solicit or 
accept any gifts or rewards, monetary or otherwise, likely to conflict with any


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accept any gifts or rewards, monetary or otherwise, likely to conflict with any 
duty of the regulated entity towards consumers or any duty of the recipient 
officer or employee towards consumers in relation to his or her activities in the 
regulated entity. 
 
Disclosure of fees, commissions (etc.) – mortgage intermediaries and regulated 
entities authorised under the Investment Intermediaries Act 1995 
30. (1) Prior to offering, recommending, arranging or providing a financial


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30. (1) Prior to offering, recommending, arranging or providing a financial 
service to a consumer, a mortgage intermediary and a regulated entity authorised 
under the Investment Intermediaries Act 1995 shall disclose directly to each 
consumer any fee, commission or other remuneration received or receivable 
from a product producer in relation to that financial service.  
(2) The disclosure referred to in paragraph (1) shall – 
(a)


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(2) The disclosure referred to in paragraph (1) shall – 
(a) 
describe the nature and amount of the fee, commission or other 
remuneration, 
(b) 
be comprehensive, accurate and easily understood by the average 
consumer, 
(c) 
be made on paper or on another durable medium, and 
(d) 
be specifically brought to the attention of the consumer. 
(3) For the purposes of paragraph (2)(a), where the amount cannot be 
ascertained at the time of the disclosure, the method of calculating that amount


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ascertained at the time of the disclosure, the method of calculating that amount 
shall be disclosed. 
(4) This Regulation does not apply where the financial service relates to an 
insurance policy. 
 
Ongoing remuneration from product producers – intermediaries to disclose 
information 
31. (1) Where remuneration is receivable by an intermediary from a product 
producer on an ongoing basis in respect of a financial service, the intermediary


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producer on an ongoing basis in respect of a financial service, the intermediary 
shall disclose to a consumer the basis on which the product producer is providing 
such remuneration to the intermediary and the nature of the service to be 
provided to the consumer in respect of this remuneration. 
(2) The disclosure referred to in paragraph (1) shall be – 
(a) 
made prior to the provision of a financial service by an 
intermediary to the consumer, 
(b)


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(a) 
made prior to the provision of a financial service by an 
intermediary to the consumer, 
(b) 
made on paper or on another durable medium, and 
46  [81] 
(c) 
specifically brought to the attention of the consumer. 
 
Summary of fees, commissions (etc.) to be published and made available  
32. (1) Subject to paragraph (2), an intermediary shall publish a summary 
of the details of any fee, commission, other reward or remuneration, receivable 
from a regulated entity, on its website.


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from a regulated entity, on its website.  
(2) Where an intermediary does not have a website, but has public offices, it 
shall make available the summary referred to in paragraph (1) in its public 
offices.  
(3) The summary referred to in paragraphs (1) and (2) shall include, at a 
minimum, the following: 
(a) 
where the fee, commission, other reward or remuneration is 
receivable by the intermediary in the form of an agreed amount 
or percentage, an indication of that amount or percentage;


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or percentage, an indication of that amount or percentage;  
(b) 
an explanation of the arrangement, including details of the type 
of fee, commission, other reward or remuneration receivable by 
the intermediary, which shall include details with regard to any 
sales commission or trail commission, and details affecting the 
fee, commission, other reward or remuneration receivable, which 
shall include details with regard to any clawback provisions;  
(c)


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shall include details with regard to any clawback provisions;  
(c) 
details of any other agreed fees, administrative costs, or non–
monetary benefits, where details of any non–monetary benefits 
shall include details of any benefits which are not related to an 
intermediary’s individual sales.  
(4) Before concluding a contract for a financial service, an intermediary 
shall – 
(a) 
bring the summary referred to in paragraphs (1) to (3) to the 
attention of the consumer, and 
(b)


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bring the summary referred to in paragraphs (1) to (3) to the 
attention of the consumer, and 
(b) 
provide any clarification of the information sought by the 
consumer.  
 
Fees – option of payment, amount, and commission offset, to be explained by 
intermediaries 
33. (1) Where for the purposes of payment of an intermediary for its 
services, the intermediary allows a consumer the option to pay for its services by


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services, the intermediary allows a consumer the option to pay for its services by 
means of a fee, the option of payment by fee and the amount of the fee shall be 
explained in advance to the consumer.  
(2) If an intermediary charges a fee and also receives commission in respect 
of a financial service provided to a consumer, the intermediary shall specifically 
explain to the consumer whether or not the commission will be offset against the


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explain to the consumer whether or not the commission will be offset against the 
fee, either in part or in full in advance of any such fee being charged. 
 
 
[81]  47 
 
Chapter 3 
Consumers in vulnerable circumstances 
 
Consumers in vulnerable circumstances to be assisted 
34. (1) Where a regulated entity has identified that a consumer that is a 
natural person is in vulnerable circumstances, the regulated entity shall provide


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natural person is in vulnerable circumstances, the regulated entity shall provide 
that consumer with such ongoing reasonable assistance as may be necessary to 
facilitate that consumer in their dealings with the regulated entity. 
(2) A regulated entity shall ensure that any information received from a 
consumer in vulnerable circumstances and maintained as a record by the 
regulated entity is, where appropriate and in accordance with the law, accessible


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regulated entity is, where appropriate and in accordance with the law, accessible 
to the staff of the regulated entity in the course of the provision by those staff of 
ongoing reasonable assistance to the consumer.  
 
Consumers in vulnerable circumstances – training requirements  
35. (1) A regulated entity shall ensure that the persons specified in 
paragraph (2) receive appropriate training in relation to vulnerable


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paragraph (2) receive appropriate training in relation to vulnerable 
circumstances with the objective that the persons specified in paragraph (2)  
have –  
(a) 
the knowledge and awareness to understand and recognise 
consumers in vulnerable circumstances, and how the regulated 
entity and persons acting on behalf of the regulated entity can 
respond to the needs of those consumers, and  
(b) 
knowledge and awareness of the policies, procedures, systems


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(b) 
knowledge and awareness of the policies, procedures, systems 
and controls within the regulated entity for responding to the 
needs of consumers in vulnerable circumstances.  
(2) The persons referred to in paragraph (1) are persons performing the 
following functions on behalf of the regulated entity: 
(a) 
consumer–facing functions in respect of consumers that are 
natural persons;  
(b) 
functions concerned in the design and development of financial


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natural persons;  
(b) 
functions concerned in the design and development of financial 
services for consumers that are natural persons; 
(c) 
functions concerned in the sale or marketing of financial services 
to consumers that are natural persons;  
(d) 
functions involving the oversight of and responsibility for persons 
performing any of the functions referred to in subparagraphs (a), 
(b) and (c);  
(e) 
any other function in respect of which the person performing the


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(b) and (c);  
(e) 
any other function in respect of which the person performing the 
function may have cause to deal with consumers in vulnerable 
circumstances at any time.  
(3) A regulated entity shall – 
(a) 
identify all persons that may require training with respect to 
vulnerable circumstances in accordance with paragraph (2), and 
48  [81] 
(b) 
ensure that those persons identified to receive training on 
vulnerable circumstances receive and complete the necessary 
training.


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vulnerable circumstances receive and complete the necessary 
training. 
(4) A regulated entity shall review, at least once every 2 years, whether the 
requirements of this Regulation including the objective referred to in paragraph 
(1) are being achieved and prepare a report of the findings of such review for the 
board of directors, or the entity or persons controlling the regulated entity. 
 
Trusted contact person


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Trusted contact person 
36. (1) A regulated entity shall, at the request of a personal consumer, record 
the name and contact information of an individual (referred to in this Regulation 
as a “trusted contact person”) who the consumer has nominated and agreed, in 
accordance with paragraph (3), that the regulated entity may contact in 
circumstances where – 
(a) 
the regulated entity has a concern about possible financial abuse 
of the personal consumer,  
(b)


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the regulated entity has a concern about possible financial abuse 
of the personal consumer,  
(b) 
 the regulated entity needs to confirm the specifics of – 
(i) 
the consumer’s current contact information, 
(ii) 
the consumer’s health status, or 
(iii) the identity of any appointed legal guardian, executor or 
trustee, or 
(c) 
the regulated entity experiences difficulties in communicating 
with the consumer. 
(2) Where a regulated entity decides to contact a trusted contact person, the


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with the consumer. 
(2) Where a regulated entity decides to contact a trusted contact person, the 
regulated entity may, provided that the regulated entity complies with paragraph 
(3), disclose confidential information about the personal consumer to the trusted 
contact person for the purposes of discussing the relevant matter referred to in 
paragraph (1). 
(3) Paragraph (2) does not apply unless the regulated entity has received–  
(a)


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paragraph (1). 
(3) Paragraph (2) does not apply unless the regulated entity has received–  
(a) 
the written consent of the personal consumer that the regulated 
entity may contact the trusted contact person in the relevant 
circumstances referred to in paragraph (1) to discuss confidential 
information in relation to that matter with the trusted contact 
person, and  
(b) 
the written consent of the trusted contact person confirming that 
the regulated entity may–  
(i)


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the written consent of the trusted contact person confirming that 
the regulated entity may–  
(i) 
retain the trusted contact person’s name and contact 
information for the purposes referred to in paragraph (1),  
(ii) 
contact the trusted contact person in the circumstances 
referred to in paragraph (1), and  
(iii) discuss the matters referred to in paragraph (1) with the 
relevant trusted contact person.  
[81]  49


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relevant trusted contact person.  
[81]  49 
 
(4) For the avoidance of doubt, a trusted contact person has no authority to 
deal with the affairs of a personal consumer in respect of a regulated entity, and 
is not a legal representative for the purposes of these Regulations, solely on 
account of having been recorded or contacted by the regulated entity as a trusted 
contact person.  
(5) Subject to paragraph (6), this Regulation does not apply where the 
regulated entity is aware that –


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regulated entity is aware that –  
(a) 
a decision–making representative has been appointed in respect 
of the personal consumer and the appointment is in effect,  
(b) 
the personal consumer has appointed an attorney under an 
enduring power of attorney and the enduring power of attorney is 
in effect, 
(c) 
the personal consumer has appointed an attorney under an 
enduring power under the Act of 1996 and the enduring power 
under the Act of 1996 is in effect,  
(d)


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under the Act of 1996 is in effect,  
(d) 
the personal consumer has appointed a decision–making assistant 
and the appointment is in effect, or 
(e) 
the personal consumer has appointed a co–decision maker and the 
appointment is in effect. 
(6) Paragraph (5) does not invalidate the nomination of a trusted contact 
person who has been nominated and agreed in accordance with this Regulation 
prior to the coming into effect of an arrangement referred to in paragraph (5)(a) 
to (e).


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prior to the coming into effect of an arrangement referred to in paragraph (5)(a) 
to (e). 
(7) In this Regulation, “co–decision maker”, “decision–making assistant”, 
“decision–making representative”, “enduring power of attorney” and “enduring 
power under the Act of 1996” have the meaning assigned to them in section 2 of 
the Act of 2015. 
 
Reporting of concerns by employees   
37. A regulated entity shall establish, maintain and adhere to clear policies


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37. A regulated entity shall establish, maintain and adhere to clear policies 
and procedures for its employees to report, within the regulated entity, concerns 
that a personal consumer to whom the regulated entity is providing financial 
services within the scope of its regulated activities is at risk of financial abuse 
by any person. 
 
Chapter 4 
Digitalisation 
 
Certain standards to be ensured  
38. Where a regulated entity is engaging with a consumer by means of a


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38. Where a regulated entity is engaging with a consumer by means of a 
digital platform, for the purposes of providing the consumer with a financial 
service, the regulated entity shall ensure the following: 
50  [81] 
(a) 
the digital platform is designed for use by a consumer without 
requiring specialist knowledge in the use of the technology of the 
digital platform, so that the digital platform is easy to use, 
understand and navigate; 
(b)


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digital platform, so that the digital platform is easy to use, 
understand and navigate; 
(b) 
the digital platform has undergone testing to ensure that it is easy 
to use, understand and navigate as referred to in paragraph (a);  
(c) 
any computer programmes or algorithms used by or within the 
digital platform – 
(i) 
are designed to produce outcomes which are objective and 
consistent for consumers,  
(ii) 
have been properly documented, and


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consistent for consumers,  
(ii) 
have been properly documented, and 
(iii) have undergone testing to ensure that the computer 
programme or algorithm concerned meets the outcomes 
referred to in paragraph (c)(i); 
(d) 
the consumer is given sufficient opportunity to consider the 
financial service before concluding a contract. 
 
Provision of certain preselected options prohibited 
39. Where a regulated entity is engaging with a consumer by means of a


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39. Where a regulated entity is engaging with a consumer by means of a 
digital platform, for the purposes of providing the consumer with a financial 
service, the regulated entity shall not provide preselected options to the 
consumer which indicate that the consumer has confirmed that the consumer has 
read or understood information provided by the regulated entity in relation to the 
financial service.   
 
Guidance to be provided on use and navigation of digital platform


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financial service.   
 
Guidance to be provided on use and navigation of digital platform 
40. (1) Where a regulated entity is engaging with a consumer by means of a 
digital platform, for the purposes of providing the consumer with a financial 
service, the regulated entity shall give clear and effective step–by–step guidance 
to consumers on how to use and navigate the digital platform.   
(2) A regulated entity shall ensure that a means of accessing the guidance


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(2) A regulated entity shall ensure that a means of accessing the guidance 
given on the digital platform referred to in paragraph (1) is displayed 
prominently on that digital platform at all times.  
 
Information to be provided on available assistance when using digital platforms 
41. (1) Where a regulated entity is engaging with a consumer by means of a 
digital platform, for the purposes of providing the consumer with a financial


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digital platform, for the purposes of providing the consumer with a financial 
service, the regulated entity shall give information to consumers, on the digital 
platform, on where and how assistance may be obtained with the following: 
(a) 
a specific query with regard to use of the digital platform for the 
purposes of being provided with such financial services; 
(b) 
further information on the financial service provided.  
[81]  51


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(b) 
further information on the financial service provided.  
[81]  51 
 
(2) The information referred to in paragraph (1) and any associated contact 
details shall be displayed prominently on the digital platform at all times. 
 
Notification to be provided of withdrawal of access to systems 
42. (1) Where a regulated entity provides information pursuant to a 
requirement of these Regulations, which is addressed to a consumer but provided


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requirement of these Regulations, which is addressed to a consumer but provided 
only by means of systems to which the consumer must be given access by the 
regulated entity in order to be provided with the relevant information, the 
regulated entity shall notify the consumer at least 15 working days in advance of 
any withdrawal of access to those systems or to the information concerned.  
(2) In the circumstances referred to in paragraph (1), the regulated entity


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(2) In the circumstances referred to in paragraph (1), the regulated entity 
shall notify the consumer that the relevant information may be downloaded, 
printed, or otherwise retained prior to withdrawal of the means of access. 
 
Notice of upcoming expiry of cooling off period to be given  
43. A regulated entity that has provided a financial service to a consumer by 
means of a digital platform, to which a right of withdrawal (a “cooling off”)


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means of a digital platform, to which a right of withdrawal (a “cooling off”) 
period applies, shall contact a consumer at least 3 working days, but no more 
than 7 working days, prior to the expiry of the withdrawal period, to remind the 
consumer of the consumer’s right of withdrawal, the date on which this right 
expires, and how the consumer can exercise this right. 
 
Chapter 5 
Informing effectively 
 
Names of financial services not to be misleading with regard to nature or 
benefits


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Names of financial services not to be misleading with regard to nature or 
benefits 
44. A regulated entity shall not use a name for a financial service that is 
misleading in terms of the nature of the financial service or the benefits that the 
financial service can deliver to a consumer. 
 
Warning statements to be prominent etc. 
45. Unless otherwise specified in these Regulations, a regulated entity shall


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45. Unless otherwise specified in these Regulations, a regulated entity shall 
ensure that all warning statements required by these Regulations that it uses in a 
document, advertisement, or other information, are prominent, and when in text, 
in a box, in bold type and of a font size that is at least equal to the predominant 
font size used throughout the document, advertisement, or other information.  
 
Notice of changes to range of services to be provided


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Notice of changes to range of services to be provided 
46. (1) Where a regulated entity intends to amend or alter the range of 
services it provides as regulated activities, it shall give clear notice, on paper or 
52  [81] 
on another durable medium, to affected consumers at least one month in advance 
of the amendment being introduced. 
(2) The notice referred to in paragraph (1) shall include particulars of the


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(2) The notice referred to in paragraph (1) shall include particulars of the 
changes being made, together with relevant details of the position prior to such 
changes, in order that the consumer can compare the position before and after 
those changes. 
(3) In the circumstances referred to in Regulation 160(1), reference to “one 
month” in paragraph (1) is substituted with “4 months”. 
 
Technical terms to be explained


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month” in paragraph (1) is substituted with “4 months”. 
 
Technical terms to be explained 
47. A regulated entity shall ensure that all information that it provides to a 
consumer explains any technical terms, the use of which cannot be avoided, in 
plain language, where first used or in a clearly referenced glossary. 
 
Key information to be presented clearly 
48. A regulated entity shall not present key information in a way which


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48. A regulated entity shall not present key information in a way which 
disguises, diminishes or obscures the importance of key information. 
 
Arrangements to be in place to ensure security of information when 
communicating by electronic media 
49. Where a regulated entity communicates with a consumer using electronic 
media, it shall ensure that it has in place appropriate arrangements to ensure the 
security of information received from the consumer and the secure transmission


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security of information received from the consumer and the secure transmission 
of information to the consumer. 
 
Written information to have appropriate font size 
50. In all written information provided to consumers, a regulated entity shall 
use a font size that is clearly legible, and appropriate to the type of document 
and the information contained therein. 
 
Terms of business to be drawn up and provided 
51. (1) A regulated entity shall draw up its terms of business and shall


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51. (1) A regulated entity shall draw up its terms of business and shall 
provide a copy on paper or on another durable medium to each consumer to 
which it provides financial services, prior to providing the first service to that 
consumer. 
(2) For the purposes of paragraph (1), insofar as concerns a regulated entity 
that is an intermediary providing regulated activities on behalf of another 
regulated entity, only the intermediary is required to provide a copy of its terms


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regulated entity, only the intermediary is required to provide a copy of its terms 
of business to the consumer. 
(3) A regulated entity shall provide its terms of business to a consumer as a 
stand–alone document. 
[81]  53 
 
(4) A regulated entity shall make its terms of business available to 
consumers on any website of the regulated entity. 
 
Content of terms of business 
52. (1) A regulated entity shall provide to consumers, in its terms of


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52. (1) A regulated entity shall provide to consumers, in its terms of 
business, information clearly setting out the basis on which the regulated entity 
provides its regulated activities and such information shall include at least the 
following: 
(a) 
the legal name, trading name, address, and contact details of the 
regulated entity; 
(b) 
if the regulated entity is part of a group, the name of the group to 
which the regulated entity belongs; 
(c)


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which the regulated entity belongs; 
(c) 
confirmation that the regulated entity is authorised, licensed or 
registered and the name of the competent authority that has 
authorised, licensed or registered it; 
(d) 
a statement that it is subject to Bank codes of conduct and Bank 
regulations which the regulated entity must comply with, which 
offer protection to consumers and which can be found on the 
Bank’s website, specifying the website of the Bank for that 
purpose; 
(e)


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Bank’s website, specifying the website of the Bank for that 
purpose; 
(e) 
a description of the regulated activities that the regulated entity 
provides; 
(f) 
if the regulated entity acts as an intermediary, whether it provides 
a fair analysis of the market or a limited analysis of the market 
and an explanation of that type of service in a way that seeks to 
inform a consumer as to the nature and distinction between these 
forms of analysis; 
(g)


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inform a consumer as to the nature and distinction between these 
forms of analysis; 
(g) 
if the regulated entity is tied for any of the regulated activities it 
provides, it shall specify – 
(i) 
the name of any financial service for which it is so tied, and  
(ii) 
the name of the regulated entity to which it is tied for the 
financial service concerned; 
(h) 
a general statement of how charges are imposed by the regulated 
entity itself and information on where the schedule of charges


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entity itself and information on where the schedule of charges 
required pursuant to Regulation 68 is located; 
(i) 
a summary of the regulated entity’s policy in relation to the 
identification and management of conflicts of interest; 
(j) 
an outline of the action and remedies which the regulated entity 
may take in the event of default by a consumer; 
(k) 
a summary of the complaints procedure which is operated by the 
regulated entity and available to a consumer; 
54  [81] 
(l)


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regulated entity and available to a consumer; 
54  [81] 
(l) 
if the regulated entity is a member of a statutory compensation 
scheme, the name of the scheme and the nature and level of 
protection available from the scheme;  
(m) the date on which the terms of business came into effect and 
confirmation that they remain up to date. 
(2) For the purposes of paragraph (1), a regulated entity shall not include 
information setting out the basis on which the regulated entity provides any


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information setting out the basis on which the regulated entity provides any 
activities that are not regulated activities.   
(3) In this Regulation, “limited analysis of the market” means providing 
services on the basis of a limited number of contracts and product producers 
available on the market, that is to say, while not tied to one product producer the 
services are not provided on the basis of a fair analysis of the market.


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services are not provided on the basis of a fair analysis of the market. 
 
Deposit agents to provide relevant credit institution’s terms of business 
53. (1) A deposit agent shall provide each consumer to which it provides 
financial services with a copy of the relevant credit institution’s terms of 
business prior to providing the first financial service to that consumer.  
(2) For the purposes of paragraph (1), the terms of business shall set out the


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(2) For the purposes of paragraph (1), the terms of business shall set out the 
nature of the relationship between the credit institution and the deposit agent and 
the basis on which the deposit agent’s regulated activities are provided. 
 
Use of term “independent” by intermediaries subject to conditions 
54. (1) An intermediary may use the term “independent” or use any other 
word or expression that is a derivative of, or similar to this term in its legal name,


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word or expression that is a derivative of, or similar to this term in its legal name, 
trading name or any other description of the intermediary, only where all 
regulated activities provided by the intermediary are provided on the basis of a 
fair analysis of the market. 
(2) An intermediary may use the term “independent” or use any other word 
or expression that is a derivative of, or similar to this term in any description of


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or expression that is a derivative of, or similar to this term in any description of 
a regulated activity provided by the intermediary, only where that regulated 
activity is provided on the basis of a fair analysis of the market. 
(3) Paragraphs (1) and (2) are subject to the further condition that an 
intermediary may use the description “independent” or use any other word or 
expression that is a derivative of, or similar to this term as provided for by


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expression that is a derivative of, or similar to this term as provided for by 
paragraph (1) or (2) only where the intermediary does not accept and retain any 
fee, commission, other reward or remuneration where the intermediary provides 
advice in respect of its regulated activities, other than –  
(a) 
a minor non–monetary benefit, and  
(b) 
a fee paid by a consumer, or a person acting on behalf of a 
consumer to whom the advice is provided.


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consumer to whom the advice is provided. 
(4) This Regulation does not apply to a regulated entity within the scope of 
Regulation 55 of these Regulations or Regulation 23(5) of the European Union 
(Consumer Mortgage Credit Agreements) Regulations 2016. 
[81]  55 
 
(5) In this Regulation, “minor non–monetary benefit” means such minor 
non–monetary benefit that is capable of enhancing the quality of the service 
provided to a consumer and is of a scale and nature such that it could not be


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provided to a consumer and is of a scale and nature such that it could not be 
judged to impair compliance with a regulated entity’s duty to act in the best 
interest of the consumer.  
 
MiFID Article 3 services – use of term “independent” 
55. (1) A regulated entity providing MiFID Article 3 services may use the 
term “independent” or use any other word or expression that is a derivative of, 
or similar to this term in its legal name, trading name or any other description of


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or similar to this term in its legal name, trading name or any other description of 
the regulated entity, only where all regulated activities provided by the regulated 
entity are provided on the basis of a fair analysis of the market. 
(2) A regulated entity providing MiFID Article 3 services may use the term 
“independent” or use any other word or expression that is a derivative of, or 
similar to this term in any description of a regulated activity provided by the


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similar to this term in any description of a regulated activity provided by the 
regulated entity, only where that regulated activity is provided on the basis of a 
fair analysis of the market. 
(3) Paragraphs (1) and (2) are subject to the further condition that a regulated 
entity providing MiFID Article 3 services may use the term “independent” or 
use any other word or expression that is a derivative of, or similar to this term as 
provided for by paragraph (1) or (2), only where –  
(a)


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provided for by paragraph (1) or (2), only where –  
(a) 
the factors to be taken into consideration by the regulated entity 
in conducting its fair analysis of the market include the criteria set 
out in Article 53(1)(d) of the MiFID Delegated Regulation, and  
(b) 
the regulated entity complies with Regulation 411. 
 
Use of term “broker” by intermediaries subject to conditions 
56. An intermediary shall not use the term “broker” in the provision of


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56. An intermediary shall not use the term “broker” in the provision of 
financial services to consumers unless the principal regulated activities of the 
intermediary are provided on the basis of a fair analysis of the market. 
 
Intermediaries which do not provide financial services on the basis of a fair 
analysis of the market  
57. Where an intermediary does not provide a financial service on the basis 
of a fair analysis of the market, it shall clearly disclose to the consumer the names


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of a fair analysis of the market, it shall clearly disclose to the consumer the names 
of those product producers whose financial services it intends to consider as part 
of its analysis. 
 
Intermediaries to disclose tied status 
58. An intermediary that is tied to a single product producer in respect of a 
particular financial service, shall disclose this fact to a consumer in all 
communications with the consumer in relation to that financial service.  
 
56  [81]


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communications with the consumer in relation to that financial service.  
 
56  [81] 
All key information to be provided 
59. (1) Prior to offering, recommending, arranging or providing a financial 
service, a regulated entity shall provide to the consumer all key information 
about the financial service concerned to assist the consumer in understanding the 
financial service.  
(2) Without prejudice to the generality of paragraph (1), the key information 
shall include –  
(a)


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shall include –  
(a) 
a statement as to whether there will be a right to cancel or 
withdraw from the contract for the provision of the financial 
service concerned, or that there will be no such right, as the case 
may be, and  
(b) 
if there will be a right to cancel or withdraw from the contract for 
the provision of the financial service concerned–  
(i) 
the terms that will apply to that right, including the period 
during which that right must be exercised, and  
(ii)


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during which that right must be exercised, and  
(ii) 
instructions on how the consumer can exercise that right.  
(3) For the purposes of paragraph (1), the information shall be provided on 
paper or on another durable medium.  
(4) Paragraphs (1) to (3) do not apply to the extent that the contract for the 
provision of the financial service concerned is a distance contract for the supply 
of a financial service under the Distance Marketing Regulations. 
 
Terms and conditions to be provided


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Terms and conditions to be provided 
60. (1) A regulated entity shall provide a consumer with the terms and 
conditions attaching to a financial service before the consumer enters into a 
contract for that financial service.  
(2) For the purposes of paragraph (1), the terms and conditions shall be 
provided on paper or on another durable medium.  
(3) Paragraphs (1) and (2) do not apply to the extent that the contract for the


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(3) Paragraphs (1) and (2) do not apply to the extent that the contract for the 
provision of the product is a distance contract for the supply of a financial service 
under the Distance Marketing Regulations. 
 
Information on relevant ombudsman and alternative dispute resolution service 
to be provided 
61. (1) Prior to entering into a contract with a consumer, a regulated entity 
shall inform the consumer of the ombudsman, where relevant, and any


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shall inform the consumer of the ombudsman, where relevant, and any 
alternative dispute resolution service other than a relevant ombudsman, that will 
deal with a complaint in the event that the consumer does not accept the decision 
of the regulated entity’s complaints process. 
(2) Paragraph (1) does not apply to the extent that, prior to entering into a 
contract with a consumer, the regulated entity is required to inform the


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contract with a consumer, the regulated entity is required to inform the 
consumer, in compliance with any applicable law, of the relevant ombudsman 
[81]  57 
 
or alternative dispute resolution service, including an ADR entity or out–of–
court complaints and redress. 
(3) For the purposes of this Regulation, “ADR entity” has the meaning given 
to it in Directive 2013/11/EU of the European Parliament and of the Council of 
21 May 201310. 
 
Revised terms of business to be provided


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21 May 201310. 
 
Revised terms of business to be provided 
62. (1) Where a regulated entity makes a material change to its terms of 
business, it shall provide each affected consumer with– 
(a) 
the revised terms of business, and 
(b) 
a notice which sets out particulars of the changes made, together 
with relevant details of the position prior to such changes, in order 
that the consumer can compare the position before and after those 
changes.


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that the consumer can compare the position before and after those 
changes. 
(2) The information required to be provided pursuant to paragraph (1) shall 
be provided by the regulated entity on paper or on another durable medium, at 
least 5 working days prior to the date on which the change takes effect in respect 
of the affected consumer. 
 
Recording telephone conversations 
63. A regulated entity shall ensure that, where it intends to keep a record of


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63. A regulated entity shall ensure that, where it intends to keep a record of 
a telephone conversation with a consumer, the regulated entity informs the 
consumer, at the outset of the conversation, that the telephone conversation is 
being recorded.  
 
Information to be drafted and presented for understanding by an average 
consumer 
64. A regulated entity shall, at all times, ensure that all information it 
provides to consumers is drafted and presented in a way that an average


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provides to consumers is drafted and presented in a way that an average 
consumer who considers the information can be expected to have a reasonable 
level of understanding to appreciate the decisions that they make and to which 
the information relates.  
 
Product producers to ensure that information enables consumer understanding 
65. A product producer shall – 
(a) 
ensure that the information, including documentation, which it 
provides when producing, manufacturing or packaging a product


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provides when producing, manufacturing or packaging a product 
of a financial or investment nature – 
(i) 
to consumers, and  
 
10 OJ L 165, 18.6.2013, p. 63 
58  [81] 
(ii) 
to intermediaries where the information, including 
documentation, is required to be provided to intermediaries 
for the purpose of those intermediaries providing it to 
consumers, 
is designed to readily enable consumer understanding having 
regard to the target market for that product, 
(b)


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regard to the target market for that product, 
(b) 
ensure that the requirement referred to in paragraph (a) is 
incorporated into the product producer’s processes for product 
and service design, and 
(c) 
have in place a process to regularly review, test and monitor the 
effectiveness of the information and documentation referred to in 
paragraph (a) in order to comply with the requirement referred to 
in that paragraph.  
 
Chapter 6 
Information about charges


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in that paragraph.  
 
Chapter 6 
Information about charges 
 
Written breakdown of charges to be provided 
66. (1) Prior to providing a financial service to a consumer, a regulated 
entity shall provide the consumer with a written breakdown of all charges, 
including third party charges, which will be payable by the consumer in respect 
of the financial service concerned. 
(2) The breakdown of charges referred to in paragraph (1) shall be provided 
on paper or on another durable medium.


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on paper or on another durable medium. 
(3) This Regulation does not apply to a regulated entity providing MiFID 
Article 3 services. 
 
Information to be provided where charge for provision or arrangement of loan 
to personal consumer 
67. (1) Where a regulated entity intends to impose a charge in respect of the 
provision or arrangement of a loan to a personal consumer, and it is proposed 
that this charge is incorporated into the amount advanced to the personal


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that this charge is incorporated into the amount advanced to the personal 
consumer, the regulated entity shall provide the following information to the 
personal consumer on paper or on another durable medium: 
(a) 
the amount of the charge; 
(b) 
that the personal consumer has a right to pay for this charge 
separately to any loan repayment; 
(c) 
if the personal consumer chooses to pay for this charge separately, 
it will not be added to the loan amount advanced; 
(d)


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it will not be added to the loan amount advanced; 
(d) 
if the personal consumer chooses not to pay for this charge 
separately and the charge is to be added to the loan amount 
[81]  59 
 
advanced, the total cost of paying the element referable to the 
charge over the term of the loan. 
(2) The information referred to in paragraph (1) shall be provided to the 
personal consumer prior to signing any loan application form. 
 
Schedule of fees and charges to be displayed


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Schedule of fees and charges to be displayed 
68. A regulated entity shall prominently and clearly display a schedule of its 
fees and charges in each of its public offices and on its websites. 
 
Consumers to be notified regarding increases and decreases in charges  
69. (1) A regulated entity shall on paper or on another durable medium – 
(a) 
directly notify affected consumers of increases in charges, 
specifying the previous and increased charge, or the introduction


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specifying the previous and increased charge, or the introduction 
of any additional charges, at least 30 calendar days prior to the 
increased or additional charges taking effect, and 
(b) 
where charges are accumulated and applied periodically to 
accounts, directly notify consumers at least 10 working days prior 
to the application of charges, providing each consumer with a 
breakdown of any such charges, except where these charges total 
an amount of €10 or less.


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breakdown of any such charges, except where these charges total 
an amount of €10 or less. 
(2) A regulated entity shall notify consumers of any decrease in charges as 
soon as practicable. 
 
Notification of methods to mitigate or avoid likelihood of penalty charges 
70. A regulated entity shall notify consumers that have been charged with 
penalty charges, including surcharge interest, on paper or on another durable


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penalty charges, including surcharge interest, on paper or on another durable 
medium, of the methods by which the likelihood of these penalties applying may 
be mitigated or avoided. 
 
Chapter 7 
Information about regulatory status 
 
Regulatory disclosure statement to be used 
71. (1) A regulated entity shall include a regulatory disclosure statement as 
to its regulatory status for consumers –  
(a) 
on the business stationery that it uses in connection with its 
regulated activities,


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(a) 
on the business stationery that it uses in connection with its 
regulated activities,  
(b) 
on any webpage on its website that relates to its regulated 
activities, and  
(c) 
in its electronic communications with consumers, where such 
communications are in connection with its regulated activities, 
60  [81] 
excluding SMS messages the content of which does not discuss 
details of financial services within the scope of its regulated 
activities.


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details of financial services within the scope of its regulated 
activities. 
(2) A regulated entity shall not use a regulatory disclosure statement as to its 
regulatory status unless provided for by paragraph (1). 
(3) For the purposes of paragraph (1), the content of the business stationery, 
webpage or electronic communication, on or in which the regulatory disclosure 
statement is required to be included, shall relate solely to regulated activities.


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statement is required to be included, shall relate solely to regulated activities.   
(4) The regulatory disclosure statement shall comply with either of the 
following formats, depending on the Member State where the regulated entity 
has been authorised, registered or licensed, and shall state no other additional 
text: 
(a) 
“[Full legal name of the regulated entity], [trading as – insert all 
trading names used by that regulated entity relevant to the


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trading names used by that regulated entity relevant to the 
financial service concerned] is regulated by the Central Bank of 
Ireland”; 
(b) 
“[Full legal name of the regulated entity], [trading as – insert 
trading names used by that regulated entity relevant to the 
financial service concerned], is [authorised/licensed or registered] 
by [insert name of the competent authority from which it received 
its authorisation or licence, or with which it is registered] in


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its authorisation or licence, or with which it is registered] in 
[insert name of the Member State where that competent authority 
resides] and is regulated by the Central Bank of Ireland for 
consumer protection rules”. 
(5) A regulated entity shall not present its regulatory disclosure statement in 
such a way as to appear to be an endorsement by the Bank, or other relevant 
European Union competent authority, of the regulated entity or any of its 
financial services.


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European Union competent authority, of the regulated entity or any of its 
financial services. 
(6) A regulated entity shall include a regulatory disclosure statement in its 
advertisements which refer, or relate, to a regulated activity which can be 
provided, or is available, to a consumer. 
(7) A regulated entity that is a crowdfunding service provider shall include 
a regulatory disclosure statement in all advertisements which refer, or relate, to


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a regulatory disclosure statement in all advertisements which refer, or relate, to 
a regulated activity which can be provided, or is available, to a consumer, which 
complies with either of the following formats depending on the Member State 
where it has been authorised: 
(a) 
“[Full legal name of the crowdfunding service provider], [trading 
as – insert all trading names used by the crowdfunding service 
provider] is regulated by the Central Bank of Ireland”;  
(b)


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provider] is regulated by the Central Bank of Ireland”;  
(b) 
“[Full legal name of the crowdfunding service provider], [trading 
as – insert all trading names used by that crowdfunding service 
provider], is regulated by [insert name of the competent authority 
from which it received its authorisation] in [insert name of the 
Member State where that competent authority resides] under the 
Crowdfunding Regulation, and is subject to regulation by the 
[81]  61


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Crowdfunding Regulation, and is subject to regulation by the 
[81]  61 
 
Central Bank Ireland in respect of [consumer protection rules] 
relating to advertising”. 
 
Chapter 8 
Unregulated activities 
 
Website information on regulated activities to be kept separate 
72. (1) A regulated entity shall provide information on its website in relation 
to regulated activities on a separate webpage from any webpage on its website 
providing information on unregulated activities.


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providing information on unregulated activities.   
(2) In this Regulation, “unregulated activities” means the provision of 
services of a financial nature, which are not otherwise regulated activities, to 
consumers in the State. 
 
Certain outcomes to be ensured 
73. (1) A regulated entity shall establish, maintain, implement and adhere to 
systems and controls, processes, policies and procedures to achieve the 
following outcomes:  
(a)


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systems and controls, processes, policies and procedures to achieve the 
following outcomes:  
(a) 
information that is given to consumers, that refers to both 
regulated activities and unregulated activities of the regulated 
entity, clearly identifies which of the regulated entity’s activities 
are regulated activities and which are unregulated activities;  
(b) 
where the regulated entity engages in unregulated activities, 
regulatory protections that apply in respect of the regulated


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regulatory protections that apply in respect of the regulated 
entity’s regulated activities that are not applicable to the regulated 
entity’s unregulated activities are brought to the attention of the 
consumer; 
(c) 
any written communication to a consumer where the regulated 
entity is disclosing information in relation to unregulated 
activities shall include the following statement: 
“Warning: The provision of this service does not require


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“Warning: The provision of this service does not require 
licensing, registration or authorisation by the Central Bank of 
Ireland, and as a result is not covered by Central Bank of Ireland 
rules designed to protect consumers or by a statutory 
compensation scheme.” 
(2) In this Regulation, “unregulated activities” means the provision of 
services of a financial nature, which are not otherwise regulated activities, to 
consumers in the State. 
 
 
 
62  [81] 
Chapter 9 
Advertising


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consumers in the State. 
 
 
 
62  [81] 
Chapter 9 
Advertising 
 
Scope and application (Chapter 9) 
74. This Part applies to advertisements which refer, or relate, to a regulated 
activity which can be provided, or is available, to a consumer. 
 
Information to be reviewed and updated 
75. (1) A regulated entity shall regularly review the information given in its 
advertisements for compliance with these Regulations and shall, where 
necessary, update such information.


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necessary, update such information.   
(2) For the purposes of paragraph (1), a regulated entity shall keep a record 
of the steps undertaken to carry out the review and any necessary update. 
 
Hyperlinks linking to information permitted under certain conditions 
76. (1) A regulated entity may include a hyperlink, within an advertisement, 
linking to information that forms part of the advertisement, where the 
information given in the advertisement that is not linked in this manner only


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information given in the advertisement that is not linked in this manner only 
specifies either or both of the following: 
(a) 
the name of the financial service; 
(b) 
an invitation to consumers to discuss the financial service in more 
detail with the regulated entity. 
(2) The hyperlink referred to in paragraph (1) shall – 
(a) 
be displayed prominently within the advertisement,  
(b) 
link to all of the information that the regulated entity is required


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(b) 
link to all of the information that the regulated entity is required 
by these Regulations to provide as part of the advertisement, and  
(c) 
link directly to the information on a single webpage of the 
regulated entity’s website.  
 
Information provided to meet certain standards 
77. (1) A regulated entity shall ensure that – 
(a) 
the design, presentation and content of the information in its 
advertisements is clear, fair, accurate and not misleading, 
(b)


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advertisements is clear, fair, accurate and not misleading, 
(b) 
the information in its advertisements does not seek to influence a 
consumer’s attitude to the advertised financial service or the 
regulated entity by ambiguity, exaggeration or omission, and 
(c) 
any research, statistics or claims quoted in its advertisements are 
substantiated and refer in the advertisement to the source of the 
research or statistics, or grounds for the claim, including the date 
[81]  63


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research or statistics, or grounds for the claim, including the date 
[81]  63 
 
of the research or statistics and any assumptions that the regulated 
entity has made based on the research, statistics or claims. 
(2) Without limiting the generality of paragraph (1), a regulated entity shall 
ensure that information in its advertisements is not misleading in relation to the 
following: 
(a) 
the regulated entity’s independence or the independence of the 
information it provides; 
(b)


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(a) 
the regulated entity’s independence or the independence of the 
information it provides; 
(b) 
the regulated entity’s ability to provide the advertised financial 
service; 
(c) 
the scale of the regulated entity’s activities; 
(d) 
the extent of the resources of the regulated entity; 
(e) 
the nature of the regulated entity’s or any other person’s 
involvement in the advertised financial service; 
(f) 
the scarcity of the advertised financial service; 
(g)


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(f) 
the scarcity of the advertised financial service; 
(g) 
past performance or possible future performance of the advertised 
financial service; 
(h) 
describing a financial service as free where the financial service 
is not in its entirety available free of charge to a consumer with 
no obligation to purchase a financial service after availing of the 
initial offering;   
(i) 
the extent to which the regulated entity has a reputation of 
supporting sustainability factors; 
(j)


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supporting sustainability factors; 
(j) 
the features of a financial service in terms of sustainability factors 
or the impact of acquiring its financial services on sustainability 
factors. 
(3) In this Regulation, “sustainability factors” means environmental, social 
and employee matters, respect for human rights, anti‐corruption and anti‐bribery 
matters. 
 
Company name and trading name to be specified 
78. A regulated entity shall ensure when publishing an advertisement that its


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78. A regulated entity shall ensure when publishing an advertisement that its 
name, including any company name and trading name, is clearly specified in all 
advertisements. 
 
Advertisement to identify that it is an advertisement  
79. (1) A regulated entity shall ensure, when publishing an advertisement, 
that the advertisement identifies that it is an advertisement. 
(2) Publication of the advertisement in a commercial break on television or


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(2) Publication of the advertisement in a commercial break on television or 
on radio shall be taken to satisfy the requirements of paragraph (1) in respect of 
that advertisement.  
64  [81] 
Requirements relating to key information, advertising benefits, and use of small 
print and footnotes 
80. A regulated entity shall ensure each of the following in respect of 
information provided by way of advertisement: 
(a) 
key information, in relation to an advertised financial service, is


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(a) 
key information, in relation to an advertised financial service, is 
clearly identified in the advertisement and is not obscured or 
disguised in any way by the content, design or format of the 
advertisement;  
(b) 
where more than one advertised financial service is specified in 
the advertisement, the key information referred to in paragraph 
(a) is distinguished between each such advertised financial 
service;  
(c) 
if the benefits of an advertised financial service are specified in


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service;  
(c) 
if the benefits of an advertised financial service are specified in 
the advertisement, the risks attached to the advertised financial 
service are also specified and, where those risks are specified in 
writing, in a font size that is at least equal to the predominant font 
size used throughout the advertisement;  
(d) 
information in the advertisement is specified without small print 
or footnotes unless the small print or footnotes are only used to


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or footnotes unless the small print or footnotes are only used to 
supplement or elaborate on the key information in the 
advertisement and are of sufficient size and prominence to be 
clearly legible.  
 
Information on qualifying criteria relating to fixed prices or greatest amount of 
savings to be clear 
81. A regulated entity shall ensure that information provided by way of 
advertisement on any qualifying criteria in relation to obtaining a fixed price for


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advertisement on any qualifying criteria in relation to obtaining a fixed price for 
the advertised financial service, or benefiting from the potential greatest amount 
of savings relating to the advertised financial service, is clearly identified in the 
advertisement and that the information is not specified in small print or footnotes 
within the advertisement. 
 
Requirements for warning statements  
82. (1) A regulated entity shall ensure that warning statements required by


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82. (1) A regulated entity shall ensure that warning statements required by 
these Regulations to be included in advertisements –  
(a) 
are reviewed to ensure that they meet the criteria specified in 
Regulation 45, and 
(b) 
subject to paragraph (2), appear simultaneously in the 
advertisement with any reference to the benefits of the advertised 
financial service.  
(2) Where an advertisement is an audio advertisement, warning statements


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financial service.  
(2) Where an advertisement is an audio advertisement, warning statements 
required by these Regulations to be included in advertisements may be provided 
at the end of the audio advertisement concerned.  
 
 
[81]  65 
 
Option not to display warning statements in limited circumstances 
83. A regulated entity may opt not to display the warning statements required 
by these Regulations to be included in advertisements where the advertisement


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by these Regulations to be included in advertisements where the advertisement 
satisfies the following conditions: 
(a) 
the advertisement only specifies either or both of the following: 
(i) 
the name of the financial service; 
(ii) 
an invitation to consumers to discuss the financial service 
in more detail with the regulated entity; 
(b) 
the advertisement does not link to other information that forms 
part of the advertisement through a hyperlink referred to in 
Regulation 76; 
(c)


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part of the advertisement through a hyperlink referred to in 
Regulation 76; 
(c) 
the advertisement does not refer to any terms or conditions of the 
financial service as part of the name of the financial service 
concerned, or elsewhere, in the advertisement.  
 
Promotional or introductory interest rates – required information  
84. A regulated entity shall ensure that where its advertisement specifies 
promotional or introductory interest rates, the advertisement clearly states the


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promotional or introductory interest rates, the advertisement clearly states the 
expiry date of that interest rate and provides an indication of the rate that will 
apply thereafter. 
 
Recommendations or commendations to meet certain requirements 
85. A regulated entity shall ensure that any recommendations or 
commendations quoted within its advertisement are – 
(a) 
genuine, complete, fair, accurate and not misleading at the time 
of issue, and relevant to the advertised financial service,


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of issue, and relevant to the advertised financial service, 
(b) 
attributed to the person that is the author of the recommendation 
or commendation, and dated as of the date of the recommendation 
or commendation concerned, 
(c) 
only used where the consent of the author has been obtained, and 
(d) 
state, if such is the case, that the author is an employee of the 
regulated entity or a connected party of the regulated entity, or


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regulated entity or a connected party of the regulated entity, or 
has received any payment from the regulated entity or a connected 
party of the regulated entity in respect of an advertisement. 
 
Intermediaries to specify where tied to single provider 
86. Where an intermediary is tied to a single provider for a particular 
financial service, the intermediary shall specify this fact in all its advertisements 
in respect of the intermediary’s advertised financial service. 
 
 
 
66  [81]


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in respect of the intermediary’s advertised financial service. 
 
 
 
66  [81] 
Comparisons and contrasts to meet certain standards 
87. (1) A regulated entity shall ensure that comparisons or contrasts in the 
information given in its advertisements are based either on facts verified by the 
regulated entity, or on reasonable assumptions stated within the advertisement 
concerned.  
(2) The comparisons or contrasts referred to in paragraph (1) shall be


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concerned.  
(2) The comparisons or contrasts referred to in paragraph (1) shall be 
specified in a clear, fair and balanced way and not omit any key information 
from the comparison or contrast.  
(3) Differences in key information between products shall be specified 
clearly for the purposes of a comparison or contrast referred to in paragraph (1). 
 
Initialisms and acronyms to be explained 
88. A regulated entity shall ensure that where its advertisement contains any


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88. A regulated entity shall ensure that where its advertisement contains any 
initialisms or acronyms, the advertisement also states the meaning of each letter 
in the initialism or acronym concerned. 
 
Warning statement on investment in crowdfunding projects 
89. (1) A crowdfunding service provider shall ensure that advertisements to 
prospective investors carry the following risk warning:  
“Warning: Investment in crowdfunding projects entails risks, including


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“Warning: Investment in crowdfunding projects entails risks, including 
the risk of partial or entire loss of the money invested. Your investment 
is not covered by a deposit guarantee scheme or by an investor 
compensation scheme.” 
(2) For the purposes of paragraph (1), “investor” has the meaning given to it 
in Article 2 of the Crowdfunding Regulation. 
 
Chapter 10 
Bundling and contingent selling 
 
No sale of financial service to be made contingent on purchase of another


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No sale of financial service to be made contingent on purchase of another 
financial service 
90. (1) A regulated entity shall not make the sale of a financial service 
contingent on a consumer purchasing another financial service from the 
regulated entity or a connected party of the regulated entity.  
(2) Paragraph (1) does not prevent a regulated entity from offering additional 
financial services to consumers who are existing customers which are not


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financial services to consumers who are existing customers which are not 
available to consumers that are potential customers. 
(3) This Regulation does not apply in respect of payment accounts with basic 
features provided by relevant credit institutions coming within the scope of the 
European Union (Payment Accounts) Regulations 2016 (S.I. No. 482 of 2016). 
 
 
[81]  67 
 
No bundling except where cost saving 
91. A regulated entity shall not engage in bundling except where it can show


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91. A regulated entity shall not engage in bundling except where it can show 
that there is an overall cost saving for a consumer. 
 
Required information on bundled product 
92. A regulated entity shall provide a consumer with the following 
information on paper or on another durable medium prior to offering, 
recommending, arranging or providing a product by way of bundling to the 
consumer: 
(a) 
the overall cost to the consumer of the bundle; 
(b)


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consumer: 
(a) 
the overall cost to the consumer of the bundle; 
(b) 
the cost to the consumer of purchasing each product separately; 
(c) 
information on how the consumer may switch products within the 
bundle; 
(d) 
the cost to the consumer of switching products within the bundle; 
(e) 
information on how the consumer may terminate the provision of 
products to the consumer by way of the bundle;  
(f) 
the cost to the consumer of terminating the provision of products


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(f) 
the cost to the consumer of terminating the provision of products 
to the consumer by way of the bundle. 
 
Steps where request to switch products in a bundle or exit bundle 
93. Where a consumer requests a regulated entity to switch one or more 
products in a bundle or to terminate the provision of products to the consumer 
by way of a bundle, the regulated entity shall – 
(a) 
provide the consumer with the information referred to in


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(a) 
provide the consumer with the information referred to in 
Regulation 92(c) and (d), or Regulation 92(e) and (f) as 
appropriate, on paper or on another durable medium, and 
(b) 
if the consumer has requested to terminate the provision of 
products to the consumer by way of a bundle, permit the 
consumer to retain any product in the bundle that the consumer 
wishes to keep, without penalty or additional charge other than 
the loss of any discount.  
 
 
68  [81]


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the loss of any discount.  
 
 
68  [81] 
Steps where optional extras offered 
94. Where a regulated entity offers a financial service to a consumer with 
anything else that may be purchased at the option of the consumer (referred to 
in this Regulation as an “optional extra”), the regulated entity shall – 
(a) 
inform the consumer on paper or on another durable medium – 
(i) 
that the consumer does not have to purchase the optional 
extra in order to purchase the financial service, 
(ii)


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extra in order to purchase the financial service, 
(ii) 
of the cost of the financial service excluding the cost of the 
optional extra, and 
(iii) of the cost of the optional extra, and 
(b) 
not charge the consumer a fee for any optional extra that the 
regulated entity offers with a financial service unless the 
consumer has provided consent to purchase the optional extra. 
 
Steps regarding information on bundling where communicating by telephone 
only


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Steps regarding information on bundling where communicating by telephone 
only 
95. For the purposes of the requirement to provide information pursuant to 
Regulation 92 to 94, if the regulated entity is communicating with the consumer 
by way of telephone only, the regulated entity shall – 
(a) 
provide the required information orally at the time of offering, 
recommending, arranging or providing the product, and 
(b) 
provide the required information to the consumer on paper or on


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(b) 
provide the required information to the consumer on paper or on 
another durable medium immediately after arranging or providing 
the product. 
 
Chapter 11 
Errors resolution 
 
Robust governance arrangements required for errors handling  
96. (1) A regulated entity shall have in place robust governance 
arrangements, including written procedures, for the appropriate and effective 
handling of errors that affect consumers.


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handling of errors that affect consumers.  
(2) The arrangements referred to in paragraph (1) shall include the 
following: 
(a) 
at a minimum, provision for – 
(i) 
identification of the cause and potential impact of the error 
on consumers,  
(ii) 
identification of all potentially affected consumers,   
(iii) the timely detection, classification and urgent escalation to 
the board of directors, or the entity or persons controlling


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the board of directors, or the entity or persons controlling 
the regulated entity, of errors of such scale and significance 
[81]  69 
 
as would reasonably be termed significant errors that affect 
consumers, and of a nature that such management ought to 
be made aware of, and 
(iv) proper control of the correction process; 
(b) 
arrangements for the proper oversight of the handling of errors;  
(c) 
analysis at the appropriate level of the rate of occurrence and


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(c) 
analysis at the appropriate level of the rate of occurrence and 
patterns of errors, to include the causes of same, on a regular basis 
and, in that regard, at least once every 6 months; 
(d) 
arrangements within the regulated entity for reporting to the 
compliance or risk function of the regulated entity, or any other 
relevant function of the regulated entity as required, as well as to 
the board of directors, or the entity or persons controlling the


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the board of directors, or the entity or persons controlling the 
regulated entity, of aggregated information on the number of 
errors handled and the number of such errors that have been 
resolved, and on the analysis referred to in subparagraph (c). 
 
Errors to be resolved  
97. (1) A regulated entity shall resolve all errors speedily and no later than 
6 months after the date the error was first discovered, including by way of the 
following: 
(a)


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6 months after the date the error was first discovered, including by way of the 
following: 
(a) 
correcting any internal systems failures including information 
technology systems failures;  
(b) 
ensuring effective controls are implemented to prevent any 
recurrence of the identified error;  
(c) 
effecting a refund with appropriate interest to all consumers who 
have been affected by the error, in accordance with Regulation 
98, and taking any other appropriate remediation steps;   
(d)


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98, and taking any other appropriate remediation steps;   
(d) 
notifying all affected consumers, both current and former, in a 
timely manner, of any error that has impacted or may impact 
negatively on the cost of the service, or the value of the product 
provided, where possible. 
(2) Paragraph (1)(c) applies to regulated entities providing payment services 
without prejudice to the rights and obligations arising pursuant to Part 4 (Rights


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without prejudice to the rights and obligations arising pursuant to Part 4 (Rights 
and obligations in relation to the provision and use of payment services) of the 
European Union (Payment Services) Regulations 2018.   
 
Refunds to be made 
98. (1) A regulated entity shall take all reasonable steps to make a prompt 
refund due to a consumer as a result of an error made by the regulated entity 
causing a consumer to make an overpayment or to suffer a financial loss, and


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causing a consumer to make an overpayment or to suffer a financial loss, and 
shall keep a record of the steps that it has taken to make the refund concerned.  
(2) Where the regulated entity has taken all reasonable steps for the purposes 
of paragraph (1), but has been unable to make the refund, the regulated entity – 
70  [81] 
(a) 
shall not benefit from the refund amount, and 
(b) 
shall make the refund with appropriate interest when claimed by 
a consumer to whom the refund is due.


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a consumer to whom the refund is due.   
(3) Paragraphs (1) and (2) apply to regulated entities providing payment 
services without prejudice to the rights and obligations arising pursuant to Part 
4 (Rights and Obligations in relation to the provision and use of payment 
services) of the European Union (Payment Services) Regulations 2018.    
 
Log of errors to be maintained 
99. (1) A regulated entity shall maintain an up–to–date log of all errors


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99. (1) A regulated entity shall maintain an up–to–date log of all errors 
identified which affect regulated activities provided to consumers.  
(2) The log referred to in paragraph (1) shall contain the following:  
(a) 
details of each error;  
(b) 
the date each error was discovered;  
(c) 
an explanation of how the error was discovered;  
(d) 
the period of time over which the error occurred;  
(e) 
the number of consumers affected;  
(f)


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the period of time over which the error occurred;  
(e) 
the number of consumers affected;  
(f) 
the overall monetary amounts involved in the error;  
(g) 
the status of the error in terms of whether the error is fully 
resolved, partially resolved, or unresolved;  
(h) 
the date the error was fully resolved; 
(i) 
the number of consumers refunded in response to the error;  
(j) 
the total amount refunded in response to the error;  
(k)


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(j) 
the total amount refunded in response to the error;  
(k) 
details of any charitable donations of the refund amount; 
(l) 
details of any other remediation steps taken. 
 
Record of steps taken to resolve errors to be maintained 
100. A regulated entity shall keep a record of all steps taken to resolve an 
error which affects consumers, and shall include details of the steps taken  
where – 
(a) 
any affected consumers were dissatisfied with the outcome,  
(b)


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where – 
(a) 
any affected consumers were dissatisfied with the outcome,  
(b) 
there were difficulties contacting affected consumers, and  
(c) 
a refund could not be repaid. 
 
 
 
[81]  71 
 
Chapter 12 
Complaints resolution 
 
Reasonable steps to be taken to resolve complaints  
101. A regulated entity shall take all reasonable steps to resolve any 
complaint with the consumer making the complaint. 
 
Complaints made orally – consumers to be offered complaints process


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Complaints made orally – consumers to be offered complaints process 
102. When a regulated entity receives an oral complaint, it shall offer the 
consumer the opportunity to have that complaint handled in accordance with the 
regulated entity’s complaints process. 
 
Form of complaints that shall be facilitated  
103. A regulated entity shall permit and facilitate submission of complaints 
in writing by post and by electronic means.


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in writing by post and by electronic means. 
 
Systems to track and manage complaints progress to be in place 
104. A regulated entity shall implement and maintain systems and controls 
to effectively track and manage the progress and resolution of complaints.  
 
Procedures for managing and resolving complaints  
105. (1) A regulated entity shall implement a procedure for managing and 
resolving complaints. 
(2) A regulated entity shall make the complaints procedure referred to in


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resolving complaints. 
(2) A regulated entity shall make the complaints procedure referred to in 
paragraph (1) available in a prominent place on all of its websites and shall 
provide a hard copy of the procedure to a consumer, on request, within 5 working 
days of the request.  
(3) The procedure referred to in paragraph (1) need not apply where a 
complaint has been resolved, to the satisfaction of the consumer making the


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complaint has been resolved, to the satisfaction of the consumer making the 
complaint, within 5 working days of receipt of the complaint, provided however 
that a log of the complaint shall be kept and maintained as required by 
Regulation 106.  
(4) At a minimum, the procedure referred to in paragraph (1) shall provide 
for the following:  
(a) 
subject to subparagraph (b), the regulated entity shall 
acknowledge each complaint on paper or on another durable


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acknowledge each complaint on paper or on another durable 
medium within 5 working days of the complaint being received, 
and such acknowledgement shall include – 
(i) 
clear and complete details of the regulated entity’s 
procedure for handling complaints,  
72  [81] 
(ii) 
where a consumer can refer the matter to a relevant 
ombudsman, information that where the circumstances 
described in subparagraphs (f) and (g) arise, a consumer can 
refer the matter to the relevant ombudsman, and


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refer the matter to the relevant ombudsman, and  
(iii) the contact details of the relevant ombudsman;  
(b) 
in respect of a complaint submitted online by entering the 
complaint on a website used by the regulated entity to facilitate 
the submission of complaints, the regulated entity shall provide 
an immediate or automatic acknowledgement, on a durable 
medium, that confirms receipt of the complaint and includes the 
information referred to in subparagraph (a)(i) to (iii); 
(c)


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information referred to in subparagraph (a)(i) to (iii); 
(c) 
the regulated entity shall provide the consumer making the 
complaint, or the person making the complaint on the consumer’s 
behalf, with a point or points of contact in relation to the 
complaint until the complaint is resolved or all steps of the 
regulated entity’s complaints handling procedures have been 
exhausted;  
(d) 
the regulated entity shall provide the consumer making the


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exhausted;  
(d) 
the regulated entity shall provide the consumer making the 
complaint with a regular update, on paper or on another durable 
medium, on the progress of the investigation of the complaint at 
intervals no greater than 20 working days, starting from the date 
on which the complaint was received;  
(e) 
the regulated entity shall investigate and make reasonable efforts 
to resolve a complaint within 40 working days of having received 
the complaint; 
(f)


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to resolve a complaint within 40 working days of having received 
the complaint; 
(f) 
where the 40 working day period referred to in subparagraph (e) 
has elapsed and the complaint is not resolved, the regulated entity 
shall – 
(i) 
notify the consumer making the complaint of the 
anticipated timeframe within which the regulated entity 
hopes to resolve the complaint,  
(ii) 
where the consumer has a right to refer the matter to a 
relevant ombudsman, inform the consumer of their right to


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relevant ombudsman, inform the consumer of their right to 
refer the matter to the relevant ombudsman, and  
(iii) provide the consumer with the contact details of such 
ombudsman;  
(g) 
within 5 working days of the completion of the investigation, the 
regulated entity shall advise the consumer making the complaint 
on paper or on another durable medium of – 
(i) 
the decision at the conclusion of the investigation, including 
the reasons for that decision, 
(ii)


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the reasons for that decision, 
(ii) 
where applicable, the terms of any offer or settlement being 
made to the consumer making the complaint, 
[81]  73 
 
(iii) where the consumer has a right to refer the matter to a 
relevant ombudsman, the fact that the consumer may refer 
the matter to the relevant ombudsman, and   
(iv) the contact details of such ombudsman.   
(5) Where a regulated entity is providing payment services – 
(a) 
paragraph (4)(d), paragraph (4)(e) and paragraph (4)(f) do not


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(a) 
paragraph (4)(d), paragraph (4)(e) and paragraph (4)(f) do not 
apply to that regulated entity, and  
(b) 
paragraph (4)(a)(ii) does not include information on the 
circumstances described in paragraph (4)(f).   
 
Log of complaints to be maintained 
106. (1) A regulated entity shall keep and maintain an up–to–date log of all 
complaints from consumers.  
(2) The log referred to in paragraph (1) shall contain the following:  
(a)


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(2) The log referred to in paragraph (1) shall contain the following:  
(a) 
details of each complaint, to include the core reason for the 
complaint in order to facilitate analysis of the complaint by 
category;  
(b) 
the date that each complaint was received; 
(c) 
a summary of the regulated entity’s response including the date 
of such response to the consumer who made the complaint;  
(d) 
details of any other relevant correspondence or records;  
(e)


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(d) 
details of any other relevant correspondence or records;  
(e) 
the steps taken to resolve each complaint;  
(f) 
the date the complaint was fully resolved;  
(g) 
where relevant, the current status of a complaint which has been 
referred to the relevant ombudsman and the current status of an 
appeal of a decision from the relevant ombudsman. 
 
Governance arrangements for complaints handling 
107. (1) A 
regulated 
entity 
shall 
implement 
robust 
governance


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107. (1) A 
regulated 
entity 
shall 
implement 
robust 
governance 
arrangements for the appropriate handling of complaints from consumers.  
(2) The arrangements referred to in paragraph (1) shall include –  
(a) 
processes for the proper oversight of complaints handling,  
(b) 
analysis on a regular basis and, in that regard, at least once every 
6 months, of the rate of occurrence and patterns of complaints, 
which shall include complaints resolved within 5 working days, 
and  
(c)


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which shall include complaints resolved within 5 working days, 
and  
(c) 
arrangements within the regulated entity for reporting to the 
compliance or risk function of the regulated entity, or any other 
relevant function of the regulated entity as required, as well as to 
the board of directors, or the entity or persons controlling the 
regulated entity, of aggregated information on the number of 
74  [81] 
complaints handled and resolved, and on the analysis referred to


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74  [81] 
complaints handled and resolved, and on the analysis referred to 
in subparagraph (b). 
 
Chapter 13 
Unsolicited personal visits and telephone calls 
 
Subject to exceptions, no unsolicited personal visits to consumers who are 
natural persons 
108. (1) A regulated entity shall not make an unsolicited personal visit to a 
consumer who is a natural person.  
(2) A regulated entity may make a personal visit to a consumer who is a


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(2) A regulated entity may make a personal visit to a consumer who is a 
natural person if that consumer has provided his or her written consent to being 
contacted by the regulated entity by this means.  
(3) For the purposes of paragraph (2), a regulated entity shall obtain consent 
in advance of each personal visit.   
(4) For the purposes of this Regulation, “consent” means consent with 
respect to the following: 
(a) 
the purposes for which a personal visit is to be made, including in


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(a) 
the purposes for which a personal visit is to be made, including in 
the case of sales and marketing, the types of product to be 
discussed during the personal visit; 
(b) 
the time, date and location for the personal visit;  
(c) 
any fee that the regulated entity proposes to charge for the 
personal visit. 
(5) This Regulation does not apply to a personal visit with regard to a hire–
purchase agreement or a consumer–hire agreement.


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purchase agreement or a consumer–hire agreement. 
 
Initiating telephone calls with consumers that are existing customers  
109. (1) A regulated entity may initiate oral communication by means of a 
telephone call with a consumer who is an existing customer, only if one or more 
of the following conditions is met: 
(a) 
the regulated entity has provided that consumer with a financial 
service similar to the one that is the purpose of the contact within 
the previous 12 months; 
(b)


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service similar to the one that is the purpose of the contact within 
the previous 12 months; 
(b) 
the consumer holds a product which requires the regulated entity 
to maintain contact with the consumer in relation to that product, 
and the contact relates to that product; 
(c) 
the purpose of the contact is to offer a protection policy only;  
(d) 
the consumer has given his or her written consent to being 
contacted in this manner by the regulated entity.


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contacted in this manner by the regulated entity. 
(2) Paragraph (1) is subject to the further condition that the making of the 
telephone call is not prohibited under any other applicable law. 
[81]  75 
 
Initiating telephone calls with consumers that are potential or former customers 
110. (1) A regulated entity may initiate oral communication by means of a 
telephone call with a consumer who is a potential customer or former customer


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telephone call with a consumer who is a potential customer or former customer 
(referred to in this Regulation as the “contacted person”), if any one of the 
following conditions is met: 
(a) 
the contacted person has provided his or her written consent for 
the regulated entity to contact him or her for a specific purpose 
within the previous 12 months, and the contact relates to that 
purpose; 
(b) 
the contacted person has made their contact details public in the


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purpose; 
(b) 
the contacted person has made their contact details public in the 
State by inclusion in, or on, any one of the following and contact 
is made via those contact details: 
(i) 
the business listing section of a current telephone directory 
or classified telephone directory; 
(ii) 
trade or professional directories; 
(iii) a website, software app, or other digital technology 
operated by a business, where contact is made with the 
consent of the contacted person;  
(c)


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operated by a business, where contact is made with the 
consent of the contacted person;  
(c) 
the contacted person is a director of a company, or a partner in a 
firm with an entry in one of the directories or other means referred 
to in subparagraph (b), and contact is made via the business 
contact details of the company or firm in question and is in 
connection with their role as director of the company or partner 
in the firm; 
(d)


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connection with their role as director of the company or partner 
in the firm; 
(d) 
the regulated entity has received a referral in respect of the 
contacted person from another regulated entity, another entity 
within the same group, a solicitor or a certified person and the 
following further conditions have been met: 
(i) 
the contacted person has provided written consent for 
contact in this manner to the relevant person providing the 
referral;  
(ii)


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contact in this manner to the relevant person providing the 
referral;  
(ii) 
the regulated entity notifies the contacted person that it has 
received a referral of a kind referred to in this paragraph and 
seeks, and receives, the written consent of the contacted 
person to proceed to make contact;  
(e) 
the purpose of the contact is to offer a protection policy only. 
(2) Paragraph (1) is subject to the further condition that the making of the


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(2) Paragraph (1) is subject to the further condition that the making of the 
telephone call is not prohibited under any other applicable law. 
 
Initiating telephone calls to be proportionate, reasonable and not excessive 
111. Where contact is made with a consumer in accordance with Regulations 
109 and 110, a regulated entity shall ensure that the extent of communications is 
proportionate, reasonable and not excessive taking into account the 
circumstances of the consumer. 
76  [81]


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circumstances of the consumer. 
76  [81] 
Permitted contact by telephone or visit to be made only during certain times 
112. Permitted contact with a consumer, by telephone or by visit, made in 
accordance with these Regulations, may be made only between 9.00 a.m. and 
9.00 p.m. Monday to Saturday, excluding public holidays, unless otherwise 
agreed in writing with the consumer. 
 
Information to be provided / established  
113. When making a personal visit or initiating oral communication by


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113. When making a personal visit or initiating oral communication by 
means of telephone call, in accordance with these Regulations, a regulated entity 
shall ensure that its representative immediately upon initiating contact and in the 
following order – 
(a) 
provides the consumer with his or her name and the name of the 
regulated entity on whose behalf  the consumer is being contacted 
and the legitimate purpose of the contact,  
(b)


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and the legitimate purpose of the contact,  
(b) 
informs the consumer that the telephone contact is being 
recorded, if this is the case, 
(c) 
where relevant, discloses to the consumer, the source of the 
referral supporting the telephone contact, and  
(d) 
establishes if the consumer wishes the personal visit or telephone 
call to proceed and, if not, end the contact immediately. 
 
Sales and marketing – instructions to be complied with for no further visits or 
telephone calls


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Sales and marketing – instructions to be complied with for no further visits or 
telephone calls  
114. A regulated entity shall comply with an instruction from a consumer 
not to make a further personal visit to him or her, and not to initiate further oral 
communication by means of telephone call with him or her, for sales and 
marketing purposes. 
 
Chapter 14 
Records and compliance 
 
Required records 
115. (1) A regulated entity shall prepare and maintain up–to–date records


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Required records 
115. (1) A regulated entity shall prepare and maintain up–to–date records 
that include at least the following: 
(a) 
records evidencing compliance with the applicable requirements, 
including the conditions of such requirements, of these 
Regulations; 
(b) 
a copy of all documents and other information required for each 
consumer’s identification and profile, including any such 
documents and other information relevant to an assessment of the


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documents and other information relevant to an assessment of the 
suitability of a financial service for a consumer;  
[81]  77 
 
(c) 
a consumer’s contact details;  
(d) 
all information and documents prepared in compliance with these 
Regulations;  
(e) 
information on the financial service provided to a consumer;  
(f) 
a copy of all correspondence between the regulated entity and a 
consumer, including with a representative of the consumer, and a


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consumer, including with a representative of the consumer, and a 
copy of any other information provided to the consumer by the 
regulated entity in relation to a financial service;  
(g) 
all instructions received by the regulated entity from a consumer 
or from a person acting on behalf of a consumer, including the 
date of receipt of the instruction, and, where relevant, the date of 
transmission by the regulated entity of the instruction to another


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transmission by the regulated entity of the instruction to another 
person or the date of any action undertaken by the regulated entity 
in accordance with the instruction;  
(h) 
where a regulated entity accepts an instruction from a consumer 
that is subject to any condition imposed by the consumer, a record 
of the condition to which the instruction is subject; 
(i) 
where a regulated entity is authorised to make a decision on


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(i) 
where a regulated entity is authorised to make a decision on 
behalf of a consumer with respect to a product and the decision is 
at the discretion of the regulated entity, a record of the decision 
and the underlying reasons for such decision; 
(j) 
all documents or applications provided to the regulated entity that 
are completed or signed by a consumer;  
(k) 
copies of all original documents provided to the regulated entity


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(k) 
copies of all original documents provided to the regulated entity 
that are submitted by a consumer in support of an application for 
the provision of a financial service to the consumer;  
(l) 
a record evidencing consents that are required from a consumer 
by these Regulations, in the required form, if any; 
(m) comprehensive records in respect of each complaint received 
from a consumer; 
(n) 
all other relevant information and documentation concerning the 
consumer.


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from a consumer; 
(n) 
all other relevant information and documentation concerning the 
consumer. 
(2) For the purposes of paragraph (1)(l) – 
(a) 
where the required form is written consent, this means consent 
recorded in writing by the consumer, and 
(b) 
where there is no required form of consent, this means consent 
recorded in writing by the consumer or an audio recording of the 
consumer’s consent. 
 
Customers who are consumers to be identified in records


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consumer’s consent. 
 
Customers who are consumers to be identified in records 
116. A regulated entity shall identify in its records those customers that are 
consumers. 
78  [81] 
Period of retention of records 
117. (1) Subject to paragraphs (2), (3) and (4), a regulated entity shall – 
(a) 
retain any records which detail consumer transactions in respect 
of its regulated activities for 6 years after the date on which the 
particular transaction is discontinued or completed, and 
(b)


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particular transaction is discontinued or completed, and 
(b) 
retain any records in respect of its regulated activities provided to 
consumers, other than those referred to in subparagraph (a), for 6 
years from the date on which the regulated entity ceased to 
provide any financial service to the consumer concerned. 
(2) Where a consumer has requested the provision of, or has been offered, a 
financial service, but has not been provided with the financial service concerned,


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financial service, but has not been provided with the financial service concerned, 
a regulated entity shall, subject to the consent of the consumer, retain any record 
in respect of that request or offer for 12 months. 
(3) In the circumstances of paragraph (2), where a consumer does not 
consent to, or withdraws their consent to, a record being retained by the regulated 
entity, the regulated entity is not required by these Regulations to retain the 
record.


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entity, the regulated entity is not required by these Regulations to retain the 
record.  
(4) Paragraphs (2) and (3) do not apply to records prepared before the 
commencement of these Regulations. 
 
Records to meet certain standards 
118. (1) A regulated entity shall maintain complete, orderly, accurate, and 
readily accessible records. 
(2) Where the Bank requires a regulated entity to keep a record in respect of 
the regulated entity’s compliance with these Regulations and provide such


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the regulated entity’s compliance with these Regulations and provide such 
record to the Bank, the regulated entity is required to provide a record which is 
complete, orderly and accurate. 
(3) For the purposes of paragraph (2), the regulated entity shall provide the 
record in any period of time and in any format that may be specified by the Bank. 
 
Chapter 15 
Miscellaneous business requirements 
 
Outsourcing activity 
119. (1) A regulated entity shall ensure that any outsourced activity


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Outsourcing activity 
119. (1) A regulated entity shall ensure that any outsourced activity 
complies with the requirements of these Regulations. 
(2) In this Regulation, “outsourced activity” is an activity where a regulated 
entity employs another person, other than a natural person who is an employee 
of the regulated entity under a contract of service, to carry out the activity on its 
behalf.  
 
[81]  79 
 
Policies and procedures to be in writing and accessible to employees


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behalf.  
 
[81]  79 
 
Policies and procedures to be in writing and accessible to employees 
120. Where a regulated entity is required to maintain a policy or procedure 
pursuant to these Regulations, the policy or procedure shall be in writing and 
readily accessible to any employee of the regulated entity requiring access to it 
for the effective performance of his or her duties on behalf of the regulated entity.  
 
Instructions


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Instructions  
121. A regulated entity shall process all instructions from or on behalf of a 
consumer properly and promptly. 
 
Receipt to be provided 
122. (1) Subject to paragraph (3), a regulated entity that is in receipt of a 
payment directly from a consumer, or directly from a person making a payment 
on behalf of a consumer, for a financial service, shall provide the consumer with 
a receipt, on paper or on another durable medium.


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a receipt, on paper or on another durable medium.  
(2) The receipt referred to in paragraph (1) shall include the following 
information: 
(a) 
the name and address of the regulated entity; 
(b) 
the name of the consumer who provided the payment, or on whose 
behalf the payment is provided; 
(c) 
the value of the payment received and the date on which it was 
received; 
(d) 
the purpose of the payment.  
(3) A regulated entity is not required to provide a receipt for regular


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(3) A regulated entity is not required to provide a receipt for regular 
payments made by a consumer in compliance with an agreed payment schedule 
set out in its contract with the consumer.  
 
Original documentation conferring ownership rights to be given or held for 
safekeeping  
123. (1) A regulated entity shall give original documentation conferring 
ownership rights to a consumer in a timely manner or shall hold the documents


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ownership rights to a consumer in a timely manner or shall hold the documents 
for safekeeping under an agreement on paper or on another durable medium with 
the consumer, in accordance with the terms of the regulated entity’s 
authorisation. 
(2) This Regulation is subject to Regulation 175. 
 
Confirmation of power of attorney to be obtained where relevant 
124. (1) Where a regulated entity deals with a person who is acting for a


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124. (1) Where a regulated entity deals with a person who is acting for a 
consumer under a power of attorney, the regulated entity shall – 
(a) 
obtain a certified copy of the power of attorney, 
80  [81] 
(b) 
in the case of an enduring power of attorney made under Part 7 of 
the Act of 2015 or an enduring power under the Act of 1996, 
satisfy itself as to the status of the power of attorney, and 
(c) 
operate within the limitations set out in the power of attorney.


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(c) 
operate within the limitations set out in the power of attorney. 
(2) In this Regulation, “enduring power of attorney” and “enduring power 
under the Act of 1996” have the meanings assigned to them in section 2 of the 
Act of 2015. 
 
Procedure to be complied with on ceasing to operate, merging business or 
transferring regulated activities 
125. (1) Where a regulated entity intends to cease operating, merge business


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125. (1) Where a regulated entity intends to cease operating, merge business 
with another person, or to transfer all or part of its regulated activities to another 
regulated entity it shall – 
(a) 
notify the Bank of its intention without delay, 
(b) 
subject to paragraph (2), if a decision by the regulated entity is 
made to proceed, provide at least 2 months’ notice of its decision 
to consumers to which it is providing the relevant financial


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to consumers to which it is providing the relevant financial 
services which it intends to cease operating, or which are the 
subject of the merger or transfer, to enable them to make 
alternative arrangements, 
(c) 
ensure that all outstanding business with consumers is properly 
completed prior to the transfer, merger or cessation of operations, 
as the case may be, or, alternatively in the case of a transfer or 
merger, inform consumers of how continuity of service will be


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merger, inform consumers of how continuity of service will be 
provided to them following the date of transfer or merger,  
(d) 
in the case of a merger or transfer of regulated activities, inform 
a consumer in advance that their details are being transferred to 
the other regulated entity, if that is the case, and obtain any 
required consents from the consumer, 
(e) 
in the case of a merger or transfer of regulated activities, provide


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(e) 
in the case of a merger or transfer of regulated activities, provide 
to consumers to which it is providing the relevant financial 
services, at least 2 months prior to the merger or transfer, the 
name, address and contact details of the other regulated entity 
with which the merger or the transfer is taking place, and refer to 
the specific terms and conditions in the consumer’s contract that 
provide for the transfer or merger of regulated activities, 
(f)


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provide for the transfer or merger of regulated activities, 
(f) 
in the case of a transfer of mortgage loans, facilitate any due 
diligence exercise conducted by the other regulated entity in 
respect of those regulated activities, and 
(g) 
in the case of a merger or transfer of regulated activities, provide 
all relevant documentation to the other regulated entity with 
which the merger or to which the transfer is taking place, to 
enable the relevant financial service to be administered in


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enable the relevant financial service to be administered in 
accordance with the terms and conditions agreed with consumers 
[81]  81 
 
and in accordance with any other specific commitments made by 
the regulated entity to consumers.  
(2) Where a credit institution to which paragraph (1) applies makes a 
decision to proceed involving cessation of all financial services provided as 
regulated activities to consumers, the credit institution shall provide at least 6


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regulated activities to consumers, the credit institution shall provide at least 6 
months’ notice of its decision to consumers to which it is providing the relevant 
financial services which it intends to cease providing, to enable them to make 
alternative arrangements. 
(3) Paragraph (1)(f) does not apply to a regulated entity that is an 
intermediary.  
Proposed transferee or merging entity to conduct due diligence and verify 
continuity of service


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Proposed transferee or merging entity to conduct due diligence and verify 
continuity of service  
126. Where a regulated entity is the proposed transferee of regulated 
activities from another regulated entity, or proposes to merge with another 
regulated entity, it shall – 
(a) 
conduct due diligence to ensure that the interests of consumers, 
to which it will provide regulated activities in the event of 
completion of the transfer or merger, are protected in the event of


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completion of the transfer or merger, are protected in the event of 
the transfer or merger, and  
(b) 
satisfy itself that it is capable of providing continuity of service 
to those consumers to which it will provide regulated activities in 
the event of the transfer or merger, in accordance with those 
consumers’ contracts with the regulated entity with which the 
merger or from which the transfer is taking place.  
 
Information to be provided and obtained prior to opening joint account for


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Information to be provided and obtained prior to opening joint account for 
consumers 
127. Prior to opening a joint account for 2 or more consumers, a regulated 
entity shall –  
(a) 
warn each of the consumers as to the legal and practical 
implications for a party to a joint account in opening and 
operating such an account as compared with an account for a sole 
account holder, 
(b) 
inform each of the consumers of the particular operations of the


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account holder, 
(b) 
inform each of the consumers of the particular operations of the 
account for which consent is and is not required from all account 
holders, 
(c) 
ascertain agreed instructions from the consumers as to whether 
they wish each of the joint account holders to be provided with 
statements, and 
(d) 
ascertain agreed instructions from the consumers as to whether 
they wish to impose any limitations on the operations of the 
account. 
 
 
82  [81]


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they wish to impose any limitations on the operations of the 
account. 
 
 
82  [81] 
Exclusion and restriction of duties and liabilities to be avoided 
128. When providing regulated activities to a consumer, a regulated entity 
shall not, in any communication or agreement with a consumer, except where 
permitted by applicable law, exclude or restrict, or seek to exclude or restrict – 
(a) 
any legal liability or duty of care to a consumer which it has under


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(a) 
any legal liability or duty of care to a consumer which it has under 
these Regulations or other financial services legislation, 
(b) 
any other duty to act with skill, care and diligence which is owed 
to a consumer in connection with the provision to that consumer 
of financial services, or 
(c) 
any liability owed to a consumer for failure to exercise the degree 
of skill, care and diligence that may reasonably be expected of it 
in the provision of a financial service.


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in the provision of a financial service. 
 
Regulated entities negotiating with debt management firms  
129. Where a regulated entity is a creditor of a consumer and negotiates with 
a debt management firm for the discharge of a debt of that consumer, in 
circumstances where the debt management firm is providing debt management 
services to that consumer, the regulated entity shall allow a minimum of 5 
working days for the consumer to consider any proposed outcome of the


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working days for the consumer to consider any proposed outcome of the 
negotiations before taking any action. 
Part 3 
CONSUMER BANKING, CREDIT, ARREARS, AND CERTAIN OTHER 
FINANCIAL ARRANGEMENTS 
Chapter 1 
Knowing the consumer and suitability – additional requirements 
 
Affordability assessment to be carried out 
130. (1) Prior to offering, recommending, arranging or providing a credit 
product, hire–purchase agreement, consumer–hire agreement or BNPL


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product, hire–purchase agreement, consumer–hire agreement or BNPL 
agreement, to a personal consumer, a regulated entity that is a lender shall carry 
out an affordability assessment to ascertain the personal consumer’s likely 
ability to repay the debt over the duration of the agreement.  
(2) For the purposes of paragraph (1), an affordability assessment shall 
include consideration by the lender of the information gathered under Regulation 
16(3)(b) and Regulation 16(3)(c).


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16(3)(b) and Regulation 16(3)(c).  
(3) The lender shall notify the intermediary through which the credit 
product, hire–purchase agreement, consumer–hire agreement or BNPL 
agreement, is distributed to the consumer, if any, of the results of the 
affordability test referred to in paragraphs (1) and (2). 
(4) A regulated entity shall take account of the result of the affordability 
assessment when deciding whether a personal consumer is likely to be able to


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assessment when deciding whether a personal consumer is likely to be able to 
repay the debt for that amount and duration in the manner required under the 
[81]  83 
 
applicable credit agreement, hire–purchase agreement, consumer–hire 
agreement or BNPL agreement. 
(5) When assessing and documenting the matters referred to in Regulation 
17(2), the regulated entity shall also assess and document whether, on the basis


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17(2), the regulated entity shall also assess and document whether, on the basis 
of the information gathered under Regulation 16(1) to (10), in the case of credit 
products, hire–purchase agreements, consumer–hire agreements or BNPL 
agreements, a personal consumer has the ability to repay the debt in the manner 
required under the credit agreement, hire–purchase agreement, consumer–hire 
agreement or BNPL agreement, on the basis of the outcome of the assessment 
of affordability.


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agreement or BNPL agreement, on the basis of the outcome of the assessment 
of affordability. 
(6) Paragraph (5) does not apply to the activities of a creditor within the 
scope of the European Union (Consumer Mortgage Credit Agreements) 
Regulations 2016. 
 
Lenders to carry out further affordability and suitability assessment 
131. A regulated entity shall carry out a further affordability and suitability 
assessment, in accordance with Regulations 17 and 130, including, where


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assessment, in accordance with Regulations 17 and 130, including, where 
applicable, Regulation 182, prior to offering, recommending, arranging or 
providing additional credit, hire–purchase, consumer–hire or BNPL facilities, to 
a personal consumer, whether by way of a top–up on an existing loan or 
agreement, or by a new credit agreement, hire–purchase agreement, consumer–
hire agreement or BNPL agreement. 
 
Chapter 2 
Additional information requirements 
 
Interpretation (Chapter 2)


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Chapter 2 
Additional information requirements 
 
Interpretation (Chapter 2) 
132. In Regulations 134 to 137, a reference to “credit” shall be taken to 
include, where relevant and without limitation, reference to a consumer–hire 
agreement, hire–purchase agreement and a BNPL agreement. 
 
Requirement for publishing interest rates 
133. (1) Where a regulated entity publishes a notice for consumers 
regarding a change in interest rates, the regulated entity shall specify in the notice


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regarding a change in interest rates, the regulated entity shall specify in the notice 
the old rate, the new rate and the date from which the changes will apply. 
(2) Where a regulated entity publishes interest rates by any means that it uses 
to publish information for consumers, including telephone helplines and 
websites, the regulated entity shall update the information specified by such 
means as soon as any interest rate change comes into effect. 
 
 
84  [81]


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means as soon as any interest rate change comes into effect. 
 
 
84  [81] 
Personal consumers to receive explanation of consequences of missing 
scheduled repayments 
134. (1) Prior to approving credit for a personal consumer involving 
scheduled repayments, a regulated entity shall explain to the personal consumer 
the consequences under the credit agreement of missing any scheduled 
repayments. 
(2) A regulated entity shall highlight the consequences of missing the


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repayments. 
(2) A regulated entity shall highlight the consequences of missing the 
scheduled repayments in all documentation related to such credit agreement 
provided to the personal consumer. 
(3) A regulated entity shall provide the following warning statement in the 
credit agreement documentation referred to in paragraph (2): 
“Warning: If you do not meet the repayments on your credit agreement, 
your account will go into arrears. This may affect your credit report,


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your account will go into arrears. This may affect your credit report, 
which may limit your ability to access credit in the future.” 
 
Reasons to be provided for not approving personal consumer credit application  
135. (1) A regulated entity that does not approve a personal consumer’s 
formal application for credit shall provide to the personal consumer the reasons 
why the credit was not approved.  
(2) For the purposes of paragraph (1), the regulated entity shall – 
(a)


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(2) For the purposes of paragraph (1), the regulated entity shall – 
(a) 
offer to provide the reasons on paper or on another durable 
medium,  
(b) 
if requested by the personal consumer, provide the reasons on 
paper or on another durable medium, and 
(c) 
provide the reasons on paper or on another durable medium 
within 10 working days of such request. 
 
Information to be provided to personal consumers regarding early redemption 
charge


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Information to be provided to personal consumers regarding early redemption 
charge 
136. (1) Paragraph (2) applies where a regulated entity – 
(a) 
offers credit on a fixed interest rate to a personal consumer, or 
(b) 
offers a personal consumer the option to fix their interest rate or 
to switch to a fixed interest rate, in respect of an existing credit 
agreement with the personal consumer.  
(2) In the circumstances referred to in paragraph (1), a regulated entity shall


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(2) In the circumstances referred to in paragraph (1), a regulated entity shall 
provide in its credit documentation a worked example, specific to the personal 
consumer, of the early redemption charge in monetary terms, and details in 
relation to the calculation of this charge. 
 
 
[81]  85 
 
Information to be provided on guarantee documentation where offering credit 
to personal consumers  
137. Where a regulated entity offers credit to a personal consumer subject to


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137. Where a regulated entity offers credit to a personal consumer subject to 
provision of a guarantee, the regulated entity shall ensure that the guarantee 
documentation – 
(a) 
clearly specifies the obligations of the guarantor in respect of the 
credit, and  
(b) 
contains a warning statement in the following format: 
“Warning: As a guarantor of this credit, you will have to pay off 
any outstanding debt amount, the interest and all associated


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any outstanding debt amount, the interest and all associated 
charges up to the level of your guarantee if the borrower(s) do(es) 
not. Before you sign this guarantee you should get independent 
legal or financial advice.”  
 
Indicative comparison of total cost to be provided to personal consumers when 
consolidating loans 
138. (1) Prior to offering, recommending, arranging or providing a loan to 
a personal consumer for the purpose of consolidating other loans or credit, a


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a personal consumer for the purpose of consolidating other loans or credit, a 
regulated entity shall provide the personal consumer, on paper or on another 
durable medium, with an indicative comparison of the total cost of the 
consolidated loans or credit and the total cost of the consolidating loan.  
(2) Any assumptions used by a regulated entity for the purposes of the 
comparison referred to in paragraph (1) shall be reasonable, justifiable and 
clearly stated.


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comparison referred to in paragraph (1) shall be reasonable, justifiable and 
clearly stated. 
 
Information to be provided to personal consumers on lifetime mortgages 
139. Prior to offering, recommending, arranging or providing a lifetime 
mortgage to a personal consumer, a regulated entity shall inform the personal 
consumer of the legal and practical consequences of entering into a lifetime 
mortgage providing, at a minimum, the following information on paper or on 
another durable medium:


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another durable medium: 
(a) 
the terms of repayment of the loan, including any terms providing 
for repayment prior to the date of maturity of the loan;  
(b) 
details of the applicable interest rate;  
(c) 
an explanation of the impact of the compounding of the interest 
over the duration of the loan;  
(d) 
an indication of the monetary amount required to repay the loan 
at maturity, based on the interest rate applicable to the loan at


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at maturity, based on the interest rate applicable to the loan at 
drawdown applying for the duration of the term of the loan;  
(e) 
the effect on an existing mortgage, if any;  
(f) 
if the terms referred to in paragraph (a) provide for early 
repayment, an indication of the likely early redemption costs 
86  [81] 
which would be incurred if the loan was redeemed on each of the 
following dates: 
(i) 
3 years from the date of the provision of the loan; 
(ii)


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following dates: 
(i) 
3 years from the date of the provision of the loan; 
(ii) 
5 years from the date of the provision of the loan; 
(iii) the date at the end of each remaining 5 year period within 
the term of the loan after the date referred to in 
subparagraph (ii); 
(g) 
the party that would be liable for any redemption costs;  
(h) 
whether the personal consumer or their estate would be liable for 
any shortfall arising when the proceeds of sale of the mortgaged


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any shortfall arising when the proceeds of sale of the mortgaged 
property are used to repay the loan;  
(i) 
details of any costs which may apply over the term of the lifetime 
mortgage or on the sale of the mortgaged property.  
 
Information to be provided to personal consumers on home reversion 
agreements  
140. (1) Prior to offering, recommending, arranging or providing a home 
reversion agreement to a personal consumer, a regulated entity shall inform the


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reversion agreement to a personal consumer, a regulated entity shall inform the 
personal consumer of the legal and practical consequences of entering a home 
reversion agreement providing, at a minimum, the following information on 
paper or on another durable medium: 
(a) 
the circumstances in which the agreement comes to an end; 
(b) 
the effect on the personal consumer’s existing mortgage, if any;  
(c) 
in the case of a variable–share contract, an indication of the


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(c) 
in the case of a variable–share contract, an indication of the 
potential change over the duration of the agreement in the 
portioning of ownership of the property between that held by the 
home reversion firm and the personal consumer. 
(2) In this Regulation, “variable–share contract” means a home reversion 
agreement where the portion of the property held by the regulated entity changes 
during the term of the home reversion agreement.


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during the term of the home reversion agreement. 
 
Conditions for reliance on assumptions in providing information pursuant to 
Regulations 139 and 140 
141. Where it is necessary for a regulated entity to rely on assumptions in 
the provision of the information provided pursuant to Regulations 139 and 140, 
the assumptions shall be reasonable, justifiable and clearly stated. 
 
Importance of obtaining independent legal and financial advice to be notified


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Importance of obtaining independent legal and financial advice to be notified 
with lifetime mortgages and home reversion agreements 
142. Prior to offering, recommending, arranging or providing a lifetime 
mortgage or a home reversion agreement to a personal consumer, a regulated 
[81]  87 
 
entity shall inform the personal consumer of the importance of obtaining 
independent legal and financial advice regarding the proposed transaction.


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independent legal and financial advice regarding the proposed transaction. 
 
Warning statements to be included with information on lifetime mortgages and 
home reversion agreements 
143. (1) When giving information to a personal consumer regarding a 
lifetime mortgage or a home reversion agreement, a regulated entity shall include 
warning statements on the following: 
(a) 
an application form or any other document provided to the 
personal consumer; 
(b) 
the regulated entity’s website.


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personal consumer; 
(b) 
the regulated entity’s website. 
(2) For the purposes of paragraph (1), warning statements in relation to 
lifetime mortgages shall contain the following texts, inserting the appropriate 
information in place of the instruction in square brackets for that purpose: 
(a) 
in respect of a lifetime mortgage where no interest is payable 
during the term of the mortgage, but the interest is charged each 
month or year and added to the amount owed, with the amount


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month or year and added to the amount owed, with the amount 
owed plus the added interest then being payable in full in 
circumstances such as death, or permanent vacation or sale of the 
mortgaged property:   
“Warning: While no interest is payable during the term of the 
mortgage, interest is charged each [insert ‘month’ or ‘year’ as 
appropriate] and added to the amount owed. The amount owed 
plus the added interest is then payable in full in circumstances


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plus the added interest is then payable in full in circumstances 
such as death, or permanent vacation or sale of the mortgaged 
property.”; 
(b) 
in respect of a lifetime mortgage where interest is charged on an 
increasing sum (made up of the outstanding mortgage and added 
interest amounts), but no scheduled repayments are required to be 
made, the interest then being added to the outstanding debt on a 
continual basis: 
“Warning:  Unlike certain other mortgages where interest is


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continual basis: 
“Warning:  Unlike certain other mortgages where interest is 
charged on a sum that decreases with time, interest on lifetime 
mortgages is charged on an increasing sum (made up of the 
outstanding mortgage and added interest amounts), and therefore 
the total amount owed can increase quickly.  As you are not 
required to make any scheduled repayments, the interest on your 
mortgage is added to your outstanding debt on a continual basis


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mortgage is added to your outstanding debt on a continual basis 
and you are effectively charged interest on that interest. This is 
called ‘compound interest’.”;  
(c) 
in respect of a lifetime mortgage where the debt, if unpaid, could 
come close to, or equal or exceed the value of the mortgaged 
residential property: 
“Warning: The longer a lifetime mortgage remains unpaid, the 
more money you will owe and the amount you owe could 
88  [81]


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more money you will owe and the amount you owe could 
88  [81] 
eventually come close to, equal, or exceed, the value of the 
mortgaged residential property.”; 
(d) 
in respect of a lifetime mortgage where the debt, if unpaid, could 
come close to or equal, but not exceed, the value of the mortgaged 
residential property: 
“Warning: The longer a lifetime mortgage remains unpaid, the 
more money you will owe and the amount you owe could


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more money you will owe and the amount you owe could 
eventually come close to or equal, the value of the mortgaged 
residential property.”; 
(e) 
in respect of all lifetime mortgages: 
“Warning: Purchasing this product may negatively impact on 
your ability to fund future needs. Before purchasing this product, 
you should get independent legal or financial advice.”. 
(3) For the purposes of paragraph (1), warning statements in relation to home


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(3) For the purposes of paragraph (1), warning statements in relation to home 
reversion agreements shall contain the following texts: 
(a) 
“Warning: The money you receive in exchange for transferring a 
share in your home may be much less than the actual market value 
of the share in your home.”;  
(b) 
“Warning: Purchasing this product may negatively impact on 
your ability to fund future needs as a result of transferring a share 
in your home.”.


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your ability to fund future needs as a result of transferring a share 
in your home.”. 
 
Credit institutions to provide information on term or notice deposit accounts 
144. (1) In relation to a term or notice deposit account provided by a credit 
institution to a consumer with a balance in excess of €100, or the equivalent 
amount in a currency other than euro, the credit institution shall provide to the 
consumer, on paper or on another durable medium, at least every 12 months, the


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consumer, on paper or on another durable medium, at least every 12 months, the 
following: 
(a) 
a statement of the account which includes, where applicable – 
(i) 
the opening balance, 
(ii) 
all additions, 
(iii) all withdrawals, 
(iv) all interest credited, 
(v) 
all charges, 
(vi) the closing balance, 
(vii) details of the interest rate applied to the account during the 
period covered by the statement, and 
(viii) where tax is deducted from interest credited, information on


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(viii) where tax is deducted from interest credited, information on 
the tax deducted or on how consumers may obtain a 
certificate detailing the tax paid; 
[81]  89 
 
(b) 
details of interest rates applied to other similar accounts available 
to the consumer from that credit institution.  
(2) Where the term of the term or notice deposit account referred to in 
paragraph (1) is less than one year, the credit institution shall provide to a


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paragraph (1) is less than one year, the credit institution shall provide to a 
consumer a closing statement which contains the information referred to in 
paragraph (1)(a) and (b). 
(3) Where a regulated entity is required to provide a consumer with a 
statement pursuant to this Regulation, the regulated entity shall, where the 
statement has not already been provided on paper, inform the consumer that he 
or she may request the statement to be provided on paper, and, if requested by


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or she may request the statement to be provided on paper, and, if requested by 
the consumer, the regulated entity shall provide the statement on paper to the 
consumer. 
 
Credit institutions to provide information on fixed term deposits  
145. (1) Prior to the maturity of a fixed term deposit made by a consumer, 
a credit institution shall notify the consumer making the deposit about its 
impending maturity and the maturity date, in accordance with paragraphs (2) and 
(3).


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impending maturity and the maturity date, in accordance with paragraphs (2) and 
(3). 
(2) For the purposes of paragraph (1) the credit institution shall provide to 
the consumer – 
(a) 
at least 10 working days’ notice in respect of a fixed term deposit 
with a term of less than 12 months, or 
(b) 
at least 30 calendar days’ notice in respect of a fixed term deposit 
with a term of 12 months or more. 
(3) Paragraphs (1) and (2) do not apply where the maturity date of the fixed


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(3) Paragraphs (1) and (2) do not apply where the maturity date of the fixed 
term deposit is less than 30 calendar days. 
 
Providers of loan accounts to provide statements to personal consumers 
146. (1) In relation to a loan account provided by a regulated entity to a 
personal consumer, the regulated entity providing the loan account shall, at least 
every 12 months, provide to the personal consumer, on paper or on another


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every 12 months, provide to the personal consumer, on paper or on another 
durable medium, a statement of the account which includes the following: 
(a) 
the opening balance; 
(b) 
all transactions; 
(c) 
all charges including interest charged; 
(d) 
the outstanding balance due; 
(e) 
details of the interest rate applied to the account during the period 
covered by the statement.  
(2) Where a regulated entity is required to provide a consumer with a


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covered by the statement.  
(2) Where a regulated entity is required to provide a consumer with a 
statement pursuant to this Regulation, the regulated entity shall, where the 
statement has not already been provided on paper, inform the consumer that he 
or she may request the statement to be provided on paper, and, if requested by 
90  [81] 
the consumer, the regulated entity shall provide the statement on paper to the 
consumer.


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the consumer, the regulated entity shall provide the statement on paper to the 
consumer. 
 
Providers of loans to notify personal consumers of interest rate changes 
147. (1) A regulated entity shall notify a personal consumer to whom it 
provides a loan of any change in the interest rate on the loan, on paper or on 
another durable medium.  
(2) The notification referred to in paragraph (1) shall include the following: 
(a) 
the date from which the new interest rate applies; 
(b)


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(a) 
the date from which the new interest rate applies; 
(b) 
details of the old interest rate and the new interest rate; 
(c) 
the revised repayment amount; 
(d) 
an invitation for the personal consumer to contact the lender if he 
or she anticipates difficulties meeting any higher repayments. 
(3) For the purposes of paragraph (2)(c), in respect of a mortgage where an 
alternative repayment arrangement has been put in place in accordance with


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alternative repayment arrangement has been put in place in accordance with 
Chapter 9 of Part 3, the notification shall clearly indicate the revised repayment 
amount that applies to the alternative repayment arrangement. 
(4) A regulated entity shall provide the notification required pursuant to 
paragraph (1) – 
(a) 
at least 30 calendar days in advance of any increase in the interest 
rate, subject to Regulation 187(6), and 
(b)


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rate, subject to Regulation 187(6), and 
(b) 
 in respect of a decrease in the interest rate, as soon as practicable. 
(5) A regulated entity is not required to comply with the notification 
requirement pursuant to paragraph (1) in respect of a loan that is not a mortgage 
loan, provided that all of the following conditions are satisfied: 
(a) 
the change in interest rate is caused by a change in a reference 
interest rate which changes on a daily or weekly basis; 
(b)


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interest rate which changes on a daily or weekly basis; 
(b) 
the new reference interest rate is made publicly available by 
appropriate means;  
(c) 
information concerning the new reference interest rate is kept 
available in the regulated entity’s public offices and on its 
websites on which it provides information in respect of its 
regulated activities. 
(6) Where an exemption applies to a regulated entity pursuant to paragraph


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regulated activities. 
(6) Where an exemption applies to a regulated entity pursuant to paragraph 
(5), the regulated entity may choose to comply with the notification requirement 
pursuant to paragraph (1) if it wishes to do so. 
 
 
 
[81]  91 
 
Chapter 3 
Additional post–sale information requirements 
 
Guarantor of personal consumer credit to be notified 
148. (1) Where a regulated entity has advanced credit to a personal


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148. (1) Where a regulated entity has advanced credit to a personal 
consumer subject to a guarantee, the regulated entity shall promptly notify the 
guarantor, on paper or on another durable medium, if the terms of the credit 
agreement change. 
(2) In this Regulation, a reference to “credit” shall be taken to include, 
without limitation, reference to a consumer–hire agreement, hire–purchase 
agreement and a BNPL agreement. 
 
Chapter 4 
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Scope and application (Chapter 4)


