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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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AI Summary of Regulation 4 Relationship of Parts 2 to 7 of these Regulations with Consumer Credit Act 1995.

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Version status: In force | Document consolidation status: Updated to reflect all known changes
Version date: 20 December 2012 - onwards
Version 3 of 3

Regulation 4 Relationship of Parts 2 to 7 of these Regulations with Consumer Credit Act 1995.

(1) For the application of Part II of the Consumer Credit Act 1995 (No. 24 of 1995) (in this Regulation called "the Act of 1995") to advertising to which Regulation 7 applies, the annual percentage rate (in that Part called "APR") shall be determined in accordance with the definition of "annual percentage rate of charge" in Regulation 6(1) and the formulae set out in Schedule 1.

(2) Subject to paragraph (4), Parts III (other than sections 30(1) and (4)), IV (other than sections 42, 46, 47 and 48) and V of the Act of 1995 do not apply in relation to a credit agreement to which Parts 2 to 7 apply.

(3) Where a creditor communicates with a consumer or guarantor in writing, section 45 of the Act of 1995 applies to the communication.

(4) Paragraph (2) does not affect the operation of any provision of Part III, IV or V of the Act of 1995 in relation to a contract of guarantee that relates to a credit agreement.

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