Legislation/Regulatory Requirements 

Legislation relevant to the regulation of Credit Servicing Firms and Credit Servicers are listed below. Where the links provided are to www.irishstatutebook.ie, users should note the disclaimer on the Irish Statute Book website. The following list is not exhaustive and is intended to serve as a general guide only.

• Consumer Protection (Regulation of Credit Servicing Firms) Act 2018;
• Consumer Protection (Regulation of Credit Servicing Firms) Act 2015;
• Part V, Central Bank Act, 1997 (as amended);
• Authorisation Requirements and Standards;
• Central Bank Reform Act, 2010 (as amended);
• Central Bank Act, 1942 (as amended); and
• European Union (Credit Servicing and Credit Purchasers) Regulations 2023.

Consumer Protection Requirements

• The Consumer Protection Code 2012;
• The Code of Conduct on Mortgage Arrears 2013;
• Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Lending to Small and Medium Sized Enterprises) Regulations 2015;
• Central Bank (Supervision and Enforcement) Act 2013 (Section 48) (Lending to Small and Medium Sized Enterprises) Amendment Regulations 2016;
• The Minimum Competency Code 2017.

The legislative and regulatory requirements on this page are not exhaustive and are provided for guidance purposes only.