European Communities (Consumer Credit Agreements) Regulations, 2010 [S.I. No. 281 of 2010]

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Version status: In force | Document consolidation status: Updated to reflect all known changes

Published date: 9 June 2010

Consolidation Status: Updated to reflect all known changes

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	Introductory Text
	Part 1 Preliminary (regs. 1-6)
In force	Regulation 1 Citation.
In force	Regulation 2 Commencement.
In force	Regulation 3 Scope of these Regulations.
In force	Regulation 4 Relationship of Parts 2 to 7 of these Regulations with Consumer Credit Act 1995.
In force	Regulation 5 Effect on existing agreements.
In force	Regulation 6 Interpretation.
	Part 2 Information and practices preliminary to conclusion of credit agreements (regs. 7-11)
In force	Regulation 7 Standard information to be included in advertising of credit.
In force	Regulation 8 Pre-contractual information - general obligations.
In force	Regulation 9 Pre-contractual information requirements for certain overdraft facilities and certain other credit agreements.
In force	Regulation 10 Exemptions from pre-contractual information requirements.
In force	Regulation 11 Obligation to assess creditworthiness of consumers.
	Part 3 Database access (reg. 12)
In force	Regulation 12 Refusal of credit applications on basis of database access.
	Part 4 Information and rights concerning credit agreements (regs. 13-21)
In force	Regulation 13 Information to be included in credit agreements.
In force	Regulation 14 Information concerning changes in borrowing rates.
In force	Regulation 14A Information regarding modification of terms and conditions of credit agreement
In force	Regulation 15 Obligations in relation to overdraft facilities.
In force	Regulation 16 Termination of open-end credit agreements.
In force	Regulation 17 Right of withdrawal.
In force	Regulation 18 Linked credit agreements.
In force	Regulation 19 Early repayment.
In force	Regulation 19A Arrears and enforcement
In force	Regulation 20 Assignment of creditors' rights.
In force	Regulation 21 Overrunning.
	Part 5 Annual percentage rate of charge (reg. 22)
In force	Regulation 22 Calculation of annual percentage rate of charge.
	Part 6 Credit intermediaries (reg. 23)
In force	Regulation 23 Obligations of credit intermediaries.
	Part 7 Miscellaneous (regs. 24-26)
In force	Regulation 24 Anti-avoidance.
In force	Regulation 25 Penalties.
In force	Regulation 26 Regulation of certain friendly societies for certain purposes.
	Part 8 Amendments of other statutory instruments (reg. 27)
In force	Regulation 27 Amendment of Distance Marketing Regulations.
	Schedule 1 Methods of calculating annual percentage rate of charge
In force	Schedule 1, Part 1 Basic equation expressing equivalence of drawdowns with repayments and charges
In force	Schedule 1, Part 2 Additional assumptions for calculation of annual percentage rate of charge
In force	Schedule 2 Standard European Consumer Credit Information Form
In force	Schedule 3 European Consumer Credit Information Form for overdrafts, consumer credit offered by certain credit organisations and debt conversion
	Given under
	Explanatory Note

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