The Regulated Credit Agreement is essential for any consumer lending transaction in Ireland, whether for personal loans, car finance, or other consumer credit products. This document must be used whenever a regulated financial institution extends credit to consumers in Ireland, ensuring compliance with the Consumer Credit Act 1995 and related regulations. The agreement contains mandatory information required by Irish law, including clear cost of credit disclosure, APR calculation, borrower's rights and protections, and standardized European consumer credit information. It reflects requirements from both domestic Irish legislation and European Union consumer credit directives, incorporating consumer protection measures overseen by the Central Bank of Ireland.
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1. Parties: Identification of the credit provider and the borrower with full legal names and addresses
2. Background: Context of the credit agreement and purpose of the loan
3. Definitions: Definitions of key terms used throughout the agreement, including regulatory defined terms
4. Amount of Credit: Clear statement of the credit amount, currency, and purpose
5. Cost of Credit: Detailed breakdown of interest rates, APR, fees, and total amount payable
6. Duration and Repayment Terms: Length of agreement, repayment schedule, and payment methods
7. Security: Details of any security or guarantees required for the credit
8. Borrower's Rights: Statutory rights including right of withdrawal, early repayment rights
9. Default and Consequences: Events of default and consequences, including interest on arrears
10. Representations and Warranties: Borrower's confirmations regarding their circumstances and information provided
11. Data Protection: How personal data will be processed, stored, and shared
12. Governing Law: Confirmation of Irish law governance and jurisdiction
1. Insurance Requirements: Required when credit agreement includes mandatory insurance products
2. Connected Agreements: Used when credit is tied to specific purchases or services
3. Special Drawdown Conditions: Include when credit is released in instalments or subject to conditions
4. Joint Borrowers: Include when there are multiple borrowers
5. Guarantor Provisions: Required when a guarantor is party to the agreement
6. Variable Rate Provisions: Include for variable rate credit products
7. Credit Intermediary Details: Required when a credit intermediary is involved in arranging the credit
1. Schedule 1 - Key Information: Standard European Consumer Credit Information (SECCI) form
2. Schedule 2 - Repayment Schedule: Detailed amortization table showing payments, interest, and principal
3. Schedule 3 - Fees and Charges: Complete breakdown of all applicable fees and charges
4. Schedule 4 - Special Conditions: Any special terms or conditions applicable to the specific credit product
5. Appendix A - Direct Debit Mandate: Standard direct debit authorization form
6. Appendix B - Consumer Notice: Statutory warnings and notices required by Irish consumer credit law
7. Appendix C - Complaint Procedures: Information about the lender's complaint handling process and Financial Services Ombudsman
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