European Union (Consumer Mortgage Credit Agreements) Regulations 2016 [S.I. No. 142 of 2016]

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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 Interpretation
In force	Regulation 4 "Mortgage credit intermediary" - definition
In force	Regulation 5 Application of these Regulations
In force	Regulation 6 Competent authority
	Part 2 Financial education (reg. 7)
In force	Regulation 7 Financial education of consumers
	Part 3 Conditions applicable to creditors and mortgage credit intermediaries (regs. 8-10)
In force	Regulation 8 Conduct of business obligations when providing credit to consumers
In force	Regulation 9 Obligation to provide information free of charge to consumers
In force	Regulation 10 Knowledge and competence requirements for staff
	Part 4 Information and practices preliminary to the conclusion of the credit agreement (regs. 11-17)
In force	Regulation 11 General provisions applicable to advertising and marketing and provision concerning Consumer Credit Act 1995's application
In force	Regulation 12 Standard information to be included in advertising
In force	Regulation 13 Tying and bundling practices
In force	Regulation 14 General information
In force	Regulation 15 Pre-contractual information
In force	Regulation 16 Information requirements concerning mortgage credit intermediaries
In force	Regulation 17 Adequate explanations
	Part 5 Annual percentage rate of charge (reg. 18)
In force	Regulation 18 Calculation of the annual percentage rate of charge (APRC)
	Part 6 Creditworthiness assessment (regs. 19-21)
In force	Regulation 19 Obligation to assess the creditworthiness of consumer
In force	Regulation 20 Property valuation
In force	Regulation 21 Disclosure and verification of consumer information
	Part 7 Database access (reg. 22)
In force	Regulation 22 Database access
	Part 8 Advisory services (reg. 23)
In force	Regulation 23 Standards for advisory services
	Part 9 Foreign currency loans and variable rate loans (regs. 24-25)
In force	Regulation 24 Foreign currency loans
In force	Regulation 25 Variable rate credits
	Part 10 Sound execution of credit agreements and related rights (regs. 26-29A)
In force	Regulation 26 Early repayment
In force	Regulation 27 Flexible and reliable markets
In force	Regulation 28 Information concerning changes in the borrowing rate
In force	Regulation 28A Information regarding modification of terms and conditions of credit agreement
In force	Regulation 29 Arrears and proceedings for possession
In force	Regulation 29A Assignment of the creditor's rights or of the credit agreement itself
	Part 11 Requirements for establishment and supervision of mortgage credit intermediaries (regs. 30-35)
In force	Regulation 30 Authorisation of mortgage credit intermediaries
In force	Regulation 31 Supplemental provisions in relation to Regulation 30 (duration of authorisation, amendment of it, grounds for refusing its grant, etc.)
In force	Regulation 32 Credit intermediaries tied to only one creditor
In force	Regulation 33 Freedom of establishment and freedom to provide services by mortgage credit intermediaries
In force	Regulation 34 Revocation of authorisation and provisions concerning appeals against such revocations or refusals to grant authorisations or decisions to amend them
In force	Regulation 35 Supervision of mortgage credit intermediaries
	Part 12 Admission and supervision of non-credit institutions (reg. 36)
In force	Regulation 36 Admission and supervision of non-credit institutions
	Part 13 Cooperation between competent authorities of different member states (regs. 37-38)
In force	Regulation 37 Obligation to cooperate
In force	Regulation 38 Settlement of disagreements between competent authorities of different Member States
	Part 14 Miscellaneous (regs. 39-42)
In force	Regulation 39 Penalties and sanctions
In force	Regulation 40 Dispute resolution mechanisms
In force	Regulation 41 Anti-avoidance
In force	Regulation 42 Transitional provisions
	Part 15 Amendments of other enactments (regs. 43-45)
In force	Regulation 43 Amendment of European Communities (Consumer Credit Agreements) Regulations 2010
In force	Regulation 44 Amendment of Consumer Credit Act 1995
In force	Regulation 45 Amendment of Central Bank Act 1942
In force	Schedule 1 Minimum knowledge and competence requirements
	Schedule 2 European Standardised Information Sheet (ESIS)
In force	Schedule 2, Part A
In force	Schedule 2, Part B Instructions to complete the ESIS
In force	Schedule 3 Calculation of the Annual Percentage Rate of Charge (APRC)
	Given under
	Explanatory Note

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