European Communities (Distance Marketing of Consumer Financial Services) Regulations, 2004 [S.I. No. 853 of 2004]

	Introductory Text
	Part 1 Preliminary Provisions (regs. 1-5)
	Regulation 1 Citation and commencement
	Regulation 2 Object of these Regulations
	Regulation 3 Interpretation
	Regulation 4 Contracts to which these Regulations apply
	Regulation 5 Certain distance contracts to be subject to certain other Regulations
	Part 2 Pre-Contract Requirement for Distance Contracts for the Supply of Financial Services (regs. 6-9)
	Regulation 6 Supplier to give consumer certain pre-contract information
	Regulation 7 Special provisions applicable to information given by telephone
	Regulation 8 Additional information requirements not affected
	Regulation 9 Obligations of supplier under distance contract for supply of financial service
	Part 3 Entry Into and Cancellation of Distance Contracts for the Supply of Financial Services (regs. 10-18)
	Regulation 10 Consumer's right to cancel distance contract
	Regulation 11 Period within which a consumer can withdraw from a contract without penalty
	Regulation 12 Exceptions to the right to cancel a distance contract for the supply of a financial service
	Regulation 13 Certain related contracts to be automatically cancelled
	Regulation 14 Obligations of supplier when distance contract is cancelled
	Regulation 15 Supplier entitled to impose charge for certain services despite cancellation of distance marketing contract
	Regulation 16 Obligations of consumer when distance marketing contract is cancelled
	Regulation 17 Certain Regulations not to apply to certain kinds of distance marketing contracts
	Regulation 18 Other laws not affected by the operation of this Part
	Part 4 Unsolicited Financial Services and Communications (regs. 19-20)
	Regulation 19 Offence to provide unsolicited financial services to consumers
	Regulation 20 Offences by suppliers relating to communicating with consumers with respect to supply of consumer financial services
	Part 5 Sanctions and Enforcement (regs. 21-28)
	Regulation 21 Offences by bodies corporate
	Regulation 22 Penalties for offences
	Regulation 23 Who may prosecute offences under these Regulations
	Regulation 24 Judicial and administrative redress
	Regulation 25 Appointment of authorised officers
	Regulation 26 Powers of authorised officers
	Regulation 27 Warrant required in order to enter private dwelling
	Regulation 28 Offence to obstruct authorised officers and members of the Garda Síochána
	Part 6 Supplementary Provisions (regs. 29-32)
	Regulation 29 Obligations of providers of payment cards
	Regulation 30 Consumer's rights cannot be waived
	Regulation 31 Resolution by Financial Services and Pensions Ombudsman of disputes arising in connection with distance contracts for the supply of financial services
	Regulation 32 Co-operation between competent authorities of the State and competent authorities of other Member States
	Schedule 1 Information to be Given by Suppliers Before Entering Into Distance Contract for the supply of a Financial Service to a Consumer
	Schedule 2 Information to be given by Supplier Before Entering Into Distance Marketing Contract by Telephone
	Given under
	Explanatory Note