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

EBA publishes Opinions on the Commission’s proposed changes to the technical standards on liquidity requirements of the reserve of assets under MiCA

The European Banking Authority (EBA) has published two Opinions in response to the European Commission’s proposed amendments to the draft Regulatory Technical Standards under the Markets in Cryptoassets Regulation (Regulation (EU) 2023/1114) (MiCA), regarding liquidity requirements and the definition of highly liquid financial instruments with minimal market risk, credit risk and concentration risk. The EBA found the proposed changes inconsistent with Articles 36(1)(b) and 38(1) of MiCA and reaffirmed its original standards to ensure alignment with the MiCA’s prudential framework and broader EU financial stability objectives.

Asset management & investment funds—EU & international developments-September 2025

Ireland-Finance and Financial Services analysis: This article, was written by A&L Goodbody’s Asset Management and Investment Funds Team. The article covers the following: Principal adverse impacts (PAI) disclosures under Sustainable Finance Disclosure Regulation (Regulation (EU) 2019/2088) (SFDR), Savings and Investments Union (SIU), Capital Markets Union (CMU), European Securities and Markets Authority's (ESMA) risk monitoring report, and T+1.

ESMA launches consultation on CCP participation requirements

The European Securities and Markets Authority (ESMA) has launched a consultation on draft Regulatory Technical Standards (RTS) setting out the factors that central counterparties (CCPs) should take into account when defining participation requirements. The consultation seeks stakeholder views on the elements that a CCP should consider when: (1) establishing admission criteria; and (2) assessing the ability of non-financial counterparties acting as clearing members to meet margin requirements and default fund contributions. Responses are invited from CCPs, direct and indirect participants of CCPs and both financial and non-financial counterparties. The consultation closes on 5 January 2026, and ESMA plans to submit the final draft RTS to the European Commission by the end of Q1 2026.

ESMA publishes second statement on MiFID II/MiFIR review transition

The European Securities and Markets Authority (ESMA) has published its second statement on the transitional application of revised MiFID II and MiFIR provisions. The statement aims at providing practical guidance to markets participants on the application of the provisions of the MiFID II amended by the MiFID II review in relation to commodity derivatives and derivatives on emission allowances and to the new regime applicable to Systematic Internalisers (SI regime); the ‘single’ volume cap mechanism (VCM) in MiFIR as amended by the MiFIR review; and the application of the revised transparency rules for bonds, structured finance products, emission allowances, and equity instruments introduced by the MiFIR review.

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