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| | Introductory Text |
| | Acts Referred to |
| | Part I Preliminary and General (ss. 1-3) |
In force | 1. Short title and commencement. |
In force | 2. Interpretation. |
In force | 3. Application. |
| | Part IA Responsibilities and Powers of Director of Consumer Affairs (ss. 4-8F) |
In force | 4. Interpretation: Part IA. |
In force | 5. Functions of Director. |
In force | 6. Director to report and provide information to Minister. |
In force | 7. Powers of Director in respect of investigations. |
In force | 8. Directions of Director in respect of statements and notices. |
In force | 8A. Appointment of authorised officers for purposes of this Part. |
In force | 8B. Powers of authorised officers under this Part. |
In force | 8C. Issue of search warrants. |
In force | 8D. Obstruction of authorised officer when exercising powers. |
In force | 8E. Authorised officers may be accompanied by other persons when exercising powers. |
In force | 8F. Prohibition on unauthorised disclosure of information. |
| | Part IB Functions and Powers of Central Bank of Ireland (ss. 8G-8Q) |
In force | 8G. Interpretation: Part IB. |
In force | 8H. Functions of Bank under this Act. |
In force | 8I. Bank to provide information to Minister. |
In force | 8J. Bank to prepare annual report of its activities under this Act. |
In force | 8K. Powers of Bank in respect of investigations. |
In force | 8L. Directions of Bank in respect of statements and notices. |
In force | 8M. Appointment of authorised officers for purposes of this Part. |
In force | 8N. Powers of authorised officers. |
In force | 8O. Issue of search warrants. |
In force | 8P. Obstruction of authorised officer when exercising. |
In force | 8Q. Authorised officers may be accompanied by other persons when exercising powers. |
| | Part IC Provisions Applicable to Director and Bank (ss. 9-19) |
In force | 9. APR. |
In force | 10. Criteria for calculation of APR. |
In force | 11. Laying of regulations before Houses of Oireachtas. |
In force | 12. Offences. |
In force | 13. Penalties. |
In force | 14. Prosecution of offences. |
In force | 15. Cost of prosecution. |
In force | 16. Director and Bank to be immune from certain civil proceedings. |
In force | 17. Transitional provision. |
In force | 18. Expenses incurred in administering this Act. |
In force | 19. Repeals. |
| | Part II Advertising and Offering of Financial Accommodation (ss. 20-28) |
In force | 20. Application of Part II. |
In force | 21. Credit advertisements. |
In force | 22. Advertising of financial accommodation related to goods or services. |
In force | 23. Advertising of consumer-hire agreements. |
In force | 24. Comparative advertising. |
In force | 25. Advertising of credit as being without charge. |
In force | 26. Advertising of financial accommodation to comply with this Part. |
In force | 27. Obligation on provider of financial accommodation to ensure advertisements comply with Part. |
In force | 28. Regulations relating to advertising availability and cost of credit. |
| | Part IIA Annual Percentage Rate (ss. 28A-28B) |
In force | 28A. Maximum APR: credit agreements. |
In force | 28B. Maximum APR: hire-purchase agreements. |
| | Part III Requirements Relating to Credit Agreements and Form and Contents thereof (ss. 29-39) |
In force | 29. Application of Part III. |
In force | 30. General requirements relating to contents of credit agreements. |
In force | 31. Contents of credit agreements for cash loans. |
In force | 32. Requirements relating to credit-sale agreements. |
In force | 33. Avoidance of certain provisions in credit-sale agreements. |
In force | 34. Requirements relating to contents of contracts for services. |
In force | 35. Advances on current account. |
In force | 36. Notice of important information to be included in credit agreements. |
In force | 37. Regulations relating to form and content of credit agreements. |
In force | 38. Enforceability. |
In force | 39. Obligations on creditors to comply with Part III. |
| | Part IV Matters Arising During Currency of Agreements (ss. 40-50) |
In force | 40. Assignment of creditor's or owner's rights. |
In force | 41. Use of bills of exchange, etc. |
In force | 42. Liability regarding goods and services. |
In force | 43. Duty to supply documents and information. |
In force | 44. Appropriation of payments. |
In force | 45. Restrictions on written communications. |
In force | 46. Visits and telephone calls. |
In force | 47. Excessive rates of charge for credit. |
In force | 48. Power of court to re-open credit agreement where charge is excessive. |
In force | 49. Making demands and threats in relation to unenforceable agreements. |
In force | 50. Cooling-off period. |
| | Part V Matters Arising on Termination of Agreements or on Default (ss. 51-55) |
In force | 51. Application of Part V. |
In force | 52. Consumer entitled to discharge agreement early. |
In force | 53. Reduction where amount owed becomes payable before time fixed by agreement. |
Partly in force | 54. Limitation on right of enforcement. |
In force | 55. Unjustified enrichment. |
| | Part VI Hire-Purchase Agreements (ss. 56-83) |
In force | 56. Application of Part VI. |
In force | 56A. Sections 73A to 73X: Interpretation. |
In force | 57. Requirement to state cash price. |
In force | 58. Contents of hire-purchase agreements. |
In force | 59. Enforceability. |
In force | 60. Regulations relating to form and content of hire-purchase agreements. |
In force | 61. Obligation on owners to comply with sections 58 and 60. |
In force | 62. Avoidance of certain provisions in hire-purchase agreements. |
In force | 63. Rights of hirer to determine hire-purchase agreement. |
In force | 64. Restriction on right of owner to recover possession of goods otherwise than by proceedings. |
In force | 65. Hire-purchase price. |
In force | 66. Powers of court in actions for recovery of possession of goods. |
In force | 67. Liability for failure to take reasonable care of goods. |
In force | 68. Liability of guarantor where goods are returned to the owner. |
In force | 69. Duty of hirer to give information as to whereabouts of goods. |
In force | 70. Sale by dealer of goods let to him under a hire-purchase agreement. |
In force | 71. Evidence of adverse detention in actions by owners to recover possession of the goods. |
In force | 72. Successive hire-purchase agreements between the same parties. |
In force | 73. Hirer's refusal to surrender goods not to be conversion in certain cases. |
In force | 73A. Goods to be in conformity with hire-purchase agreement at time of delivery. |
In force | 73B. Owner to have right to sell goods etc. |
In force | 73C. Subjective requirements for conformity with hire-purchase agreement. |
In force | 73D. Objective requirements for conformity with hire-purchase agreement. |
In force | 73E. Incorrect installation of goods. |
In force | 73F. Implied terms of hire-purchase agreement. |
In force | 73G. Liability of owner. |
In force | 73H. Burden of proof. |
In force | 73I. Right to remedies under sections 73J and 73K. |
In force | 73J. Short-term right to terminate hire-purchase agreement. |
In force | 73K. Repair or replacement of goods. |
In force | 73L. Right to proportionate reduction in price or final termination of hire purchase agreement. |
In force | 73M. Price reduction. |
In force | 73N. Obligations of hirer in event of termination of hire-purchase agreement. |
In force | 73O. Obligations of owner where hire-purchase agreement terminated. |
In force | 73P. Time limits and means of reimbursement by owner. |
In force | 73Q. Effect of termination of hire-purchase agreement on ancillary contract. |
In force | 73R. Representations purporting to restrict rights of hirer: offences. |
In force | 73S. Exclusion or limitation of liability of owner. |
In force | 73T. Liability for commercial guarantee. |
In force | 73U. Liability of owner for another's commercial guarantee. |
In force | 73V. Liability under commercial guarantee to subsequent hirers. |
In force | 73W. Provision and content of commercial guarantee statement. |
In force | 73X. Exclusion or limitation of rights of hirer under commercial guarantee. |
Repealed | 74. Implied terms as to title. |
Repealed | 75. Letting by description. |
Repealed | 76. Implied undertakings as to quality or fitness. |
Repealed | 77. Samples. |
Repealed | 78. Statements purporting to restrict rights of hirer. |
Repealed | 79. Exclusion of implied terms and conditions. |
In force | 80. Liability of persons conducting negotiations antecedent to hire-purchase agreements. |
Repealed | 81. Application of sections 12 and 15 to 19 of Act of 1980 to hire-purchase agreements. |
In force | 82. Application of section 13 of Act of 1980 to hire-purchase of motor vehicles. |
In force | 83. Antecedent negotiations and representations. |
| | Part VII Consumer-Hire Agreements (ss.84-91) |
In force | 84. Contents of consumer-hire agreements. |
In force | 85. Enforceability. |
In force | 86. Regulations relating to form and content of consumer-hire agreements. |
In force | 87. Obligation on owners to comply with sections 84 and 86. |
In force | 88. Application of sections 73A to 83 to consumer-hire agreements. |
In force | 89. Right of hirer to determine consumer-hire agreement. |
In force | 90. Hirer to take reasonable care of goods. |
In force | 91. Duty of hirer to give information as to whereabouts of goods. |
| | Part VIII Provisions Relating to Moneylending (ss. 92-114B) |
In force | 92. Application and interpretation of Part VIII. |
Partly in force | 93. Moneylender's licence. |
In force | 94. Obligation on moneylender to display licence. |
In force | 94A. Term of loan under high cost credit agreement |
In force | 95. "Moneylending agreement" to be stated in agreement. |
In force | 96. Moneylender's licence not to be altered or falsified. |
In force | 97. Moneylender to issue authorisation to persons engaging in moneylending on his behalf off business premises. |
In force | 98. Prohibition on engaging in business of moneylending without licence. |
In force | 98A. Maximum interest rates |
In force | 99. Loan or other credit to be advanced in full. |
In force | 100. Repayment book. |
In force | 101. Records to be maintained by moneylender. |
In force | 102. Prohibition on charges for expenses on loans by moneylenders. |
Repealed | 103. Moneylending agreements which include a collection charge. |
In force | 104. Presumption. |
In force | 105. Powers of entry of Garda Síochána. |
In force | 106. Search warrants. |
In force | 107. Prohibition on possession of documents belonging to another person for moneylending. |
In force | 108. Obligation to produce to member of Garda Síochána moneylender's licence or authorisation. |
In force | 109. Powers of arrest. |
In force | 110. Prohibition on collecting repayments at certain times. |
In force | 111. Prohibition on selling goods while collecting repayments. |
In force | 112. Prohibition on increased charges for credit on default. |
In force | 113. Continuity of licences granted under Moneylenders Act, 1933. |
In force | 114. Certain persons not to be regarded as moneylenders. |
In force | 114A. Provision of information by Bank to Minister |
In force | 114B. Transitional provisions arising from Consumer Credit (Amendment) Act 2022 |
| | Part IX Housing Loans made by Mortgage Lenders (ss.115-136) |
In force | 115. Application of, definitions, Part IX. |
Partly in force | 116. Mortgage intermediaries. |
In force | 116A. Non-application of section 116 and deemed application of certain provisions |
In force | 117. Obligation to display copy of mortgage intermediaries authorisation. |
In force | 118. Mortgage intermediaries authorisation not to be altered or falsified. |
In force | 119. Amendment of mortgage intermediaries authorisation. |
In force | 120. Certain persons not to be regarded as mortgage intermediaries. |
In force | 121. Redemption of housing loans. |
In force | 122. Criteria for calculation of APR in relation to housing loans. |
In force | 123. Valuation reports. |
In force | 124. Insurance of mortgaged property. |
In force | 125. Costs of legal investigation of title. |
In force | 126. Mortgage protection insurance. |
In force | 127. Prohibition on linking of services. |
In force | 128. Warning on loss of home. |
In force | 129. Notice of important information to be included in a housing loan agreement. |
In force | 130. Duties of mortgage lender to supply documents and information. |
In force | 131. Disclosure of charges, agency introduction fees, commissions and expenses. |
In force | 132. Disclosure of other fees. |
In force | 133. Endowment loans. |
In force | 134. Disclosure of interest rate and penalties to be applied to arrears on housing loans. |
In force | 135. Advertising of housing loans. |
In force | 136. Protection of borrower on a winding-up. |
| | Part X Miscellaneous (ss. 137-143) |
In force | 137. Regulations relating to display of information. |
In force | 138. Restrictions as to use of inertia selling provisions in agreements. |
In force | 139. Circulars to minors. |
In force | 140. Prohibition on exclusion of obligations or rights in agreements. |
In force | 141. Statements purporting to exclude or restrict liabilities or rights. |
In force | 142. Duty to disclose information concerning financial standing of consumer. |
In force | 143. Correction of incorrect information. |
| | Part XI Credit Intermediaries (ss. 144-148) |
In force | 144. Credit intermediaries. |
In force | 145. Obligation to display copy of credit intermediaries authorisation. |
In force | 146. Prohibition on alteration or falsification of credit intermediaries authorisation. |
In force | 147. Amendment of credit intermediaries authorisation. |
In force | 148. Nature of "finance arranged" to be explained to consumer. |
| | Part XII Obligation on credit Institutions to Notify Director of all Customer Charges (ss. 149-150) |
In force | 149. Customer charges, etc., by credit institutions that are subject to regulation by the Bank. |
In force | 149A. Customer charges, etc. payable by persons authorised to carry on business of a bureau de change. |
In force | 150. Disclosure of information by Bank. |
| | Part XIII Moneylenders, Credit and Mortgage Intermediaries Registers (ss. 151-151B) |
In force | 151. Credit intermediaries register. |
In force | 151A. Registers of moneylenders and mortgage intermediaries. |
In force | 151B. Certified copy of entry in register to be admissible in evidence. |
| | Part XIV Amendment of Sale of Goods and Supply of Services Act, 1980 (s. 152) |
In force | 152. Amendment of Act of 1980. |
| | Part XV Amendment of Pawnbrokers Act, 1964 (ss. 153-155) |
In force | 153. Licensing of pawnbrokers. |
In force | 154. Amendment of Pawnbrokers Act, 1964. |
In force | 155. Continuity of licences granted by Revenue Commissioners. |
| | Part XVI Amendment of Consumer Information Act, 1978 (s. 156) |
In force | 156. Amendment of section 9 of Consumer Information Act, 1978. |
| | First Schedule Council Directive 87/102/EEC and Council Directive 90/88/EEC |
In force | First Schedule, Part I |
In force | First Schedule, Part II |
In force | First Schedule, Part III |
In force | Second Schedule Enactments Repealed |
In force | Third Schedule Forms of Notice to be Included in Agreements |
In force | Fourth Schedule APR - Method of Calculation |
In force | Fifth Schedule Notice to be Included in Hire-Purchase Agreement |
In force | Sixth Schedule Record of Repayments |
In force | Seventh Schedule Consent to Collect Repayments Between the Hours of 8.00 a.m. and 10.00 a.m. |
| | Eighth Schedule Amendment of Pawnbrokers Act, 1964 |
In force | Eighth Schedule, Part I |
In force | Eighth Schedule, Part II |
In force | Eighth Schedule, Part III |
