The regulation of credit

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This subtopic provides guidance on the regulation by the Central Bank of Ireland (CBI) of firms providing credit in Ireland.

This subtopic contains the following guidance:

  1. •

    Practice Note: Ireland—Regulation of Retail Credit Firms discusses the regulation of Retail Credit Firms in Ireland. It outlines the definition of a Retail Credit Firm under Central Bank Act 1997 (Ireland) as amended by the Consumer Protection (Regulation of Retail Credit and Credit Servicing Firms) Act 2022 (Ireland).

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Latest Ireland - Banking & Financial Services News

European Commission adopts MiCA delegated regulation regarding market abuse

The European Commission has adopted  a delegated regulation supplementing the Markets in Cryptoassets Regulation (Regulation (EU) 2023/1114) (MiCA) with regard to regulatory technical standards (RTS) specifying the arrangements, systems and procedures to prevent, detect and report market abuse, the templates to be used for reporting suspected market abuse, and the coordination procedures between the competent authorities for the detection and sanctioning of market abuse in cross-border market abuse situations.

MiCA: ESMA publishes supervisory guidelines to prevent market abuse

The European Securities and Markets Authority (ESMA) has published supervisory guidelines under the Market in Crypto Assets Regulation (MiCA) to prevent and detect market abuse. The guidelines, intended for national competent authorities (NCAs),  include both general principles for effective supervision and specific measures for detecting and preventing market abuse in crypto assets. They also address unique challenges in crypto trading—such as its cross-border nature and extensive use of social media—while aiming to foster a common supervisory culture through open industry dialogue and coordinated oversight among NCAs.

EIOPA opens six consultations on the EU IRRD

The European Insurance and Occupational Pensions Authority (EIOPA) has launched six consultations papers (CPs), all related to the implementation of the EU Insurance Recovery and Resolution Directive (IRRD), which is set to become operational in 2027. The CPs propose draft guidelines and technical standards covering key aspects such as pre-emptive recovery plans, resolution plans and resolvability of insurance undertakings and groups. Responses to all six CPs are sought by 31 July 2025.

ISDA publishes April 2025 Benchmark Module for the Fallbacks Protocol

The International Swaps and Derivatives Association (ISDA) has published an April 2025 Benchmark Module for the purposes of the ISDA 2021 Fallbacks Protocol.

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