About The Regulations (Section 17A) | Central Bank of Ireland

About the Regulations

The Consumer Protection Code 2025 – also known as the revised Consumer Protection Code – is set out in in two Central Bank regulations:

Central Bank Reform Act 2010 (Section 17A) (Standards For Business) Regulations 2025 (S.I. No. 80 of 2025) (the Standards For Business Regulations).
Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Consumer Protection) Regulations 2025 (S.I. No. 81 of 2025) (the Consumer Protection Regulations).

The Standards for Business Regulations set out governance, resource and risk management requirements for firms.

They also set out conduct standards for firms. These are complemented by Supporting Standards for Business, which provide further detail on firms’ obligations. The Standards for Business and Supporting Standards for Business addressing securing customers' interests and financial abuse, will only apply to firms when doing business with individuals and small businesses. All other Standards for Business and Supporting Standards for Business will apply to the regulated business of firms conducted with all customers.

The Consumer Protection Regulations set out cross-sectoral requirements applying across all sectors, and other sector specific requirements applying to the provision of Consumer Banking, Credit and Arrears, Insurance and Investments.

These requirements apply to the regulated business of firms conducted with customers who meet the definition of “consumer” i.e. individuals and small businesses. These regulations also consolidate a number of existing conduct regulations and codes, issued by the Central Bank, into one set of regulations.

The Consumer Protection Code 2012 (existing Code) remains effective until the implementation period ends and the revised Code goes into effect on 24 March 2026.