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European Communities (Consumer Credit Agreements) Regulations, 2010 [S.I. No. 281 of 2010]Introductory TextPart 1 Preliminary (regs. 1-6)Regulation 1 Citation.Regulation 2 Commencement.Regulation 3 Scope of these Regulations.Regulation 4 Relationship of Parts 2 to 7 of these Regulations with Consumer Credit Act 1995.Regulation 5 Effect on existing agreements.Regulation 6 Interpretation.Part 2 Information and practices preliminary to conclusion of credit agreements (regs. 7-11)Regulation 7 Standard information to be included in advertising of credit.Regulation 8 Pre-contractual information - general obligations.Regulation 9 Pre-contractual information requirements for certain overdraft facilities and certain other credit agreements.Regulation 10 Exemptions from pre-contractual information requirements.Regulation 11 Obligation to assess creditworthiness of consumers.Part 3 Database access (reg. 12)Regulation 12 Refusal of credit applications on basis of database access.Part 4 Information and rights concerning credit agreements (regs. 13-21)Regulation 13 Information to be included in credit agreements.Regulation 14 Information concerning changes in borrowing rates.Regulation 14A Information regarding modification of terms and conditions of credit agreementRegulation 15 Obligations in relation to overdraft facilities.Regulation 16 Termination of open-end credit agreements.Regulation 17 Right of withdrawal.Regulation 18 Linked credit agreements.Regulation 19 Early repayment.Regulation 19A Arrears and enforcementRegulation 20 Assignment of creditors' rights.Regulation 21 Overrunning.Part 5 Annual percentage rate of charge (reg. 22)Regulation 22 Calculation of annual percentage rate of charge.Part 6 Credit intermediaries (reg. 23)Regulation 23 Obligations of credit intermediaries.Part 7 Miscellaneous (regs. 24-26)Regulation 24 Anti-avoidance.Regulation 25 Penalties.Regulation 26 Regulation of certain friendly societies for certain purposes.Part 8 Amendments of other statutory instruments (reg. 27)Regulation 27 Amendment of Distance Marketing Regulations.Schedule 1 Methods of calculating annual percentage rate of chargeSchedule 1, Part 1 Basic equation expressing equivalence of drawdowns with repayments and chargesSchedule 1, Part 2 Additional assumptions for calculation of annual percentage rate of chargeSchedule 2 Standard European Consumer Credit Information FormSchedule 3 European Consumer Credit Information Form for overdrafts, consumer credit offered by certain credit organisations and debt conversionGiven underExplanatory Note
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Part 3 Database access (reg. 12)

Regulation 12 Refusal of credit applications on basis of database access.
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