1. Home
  2. Acts
  3. 1995
  4. Click on title below to return to Act

Updated to 11 December 2024 (Act No. 48 of 2024 and S.I. No. 697 of 2024)

The effects marked with a red background are not reflected in the most recent Revised Act. To scroll to next the unapplied effect(s), click here.

Consumer Credit Act 1995
No. 24 of 1995

Contents

Commencement

SectionCommencement DateCommencement Information
Ss. 1-54(1), 54(2) 13 May 1996 Consumer Credit Act, 1995 (Commencement) Order 1996 (S.I. No. 121 of 1996), art. 2
S. 54(3) Not yet commenced. Requires a commencement order under s. 1(2)
S. 54(4) 13 May 1996 Consumer Credit Act, 1995 (Commencement) Order 1996 (S.I. No. 121 of 1996), art. 2
Ss. 55-156 13 May 1996 Consumer Credit Act, 1995 (Commencement) Order 1996 (S.I. No. 121 of 1996), art. 2

Amendments and other effects

How AffectedAffecting Provision
Applied S.I. No. 145 of 2009, arts. 1(2), 10(1)(e)
Competent authority designated S.I. No. 290 of 2006, reg. 4(1), schedule
Transitional provisions for Director of Consumer Affairs, Registrar of Friendly Societies 12/2003, ss. 1(2), 36, schedule 3, paras. 20, 26
Non-application of 15/1997, s. 184(c) as substituted by 40/2012, ss. 2(1), 34
  15/1997, ss. 1(2), 1(3), 184(c)
Functions of Director of Consumer Affairs transferred 19/2007, ss. 1(2), 2, 37, schedule 1, pt. 1. Note: Also applies to any instruments made under the Act
Functions of Central Bank transferred 22/1942, s. 33C(1), (2), sch. 2 part 1, as inserted by 12/2003, ss. 26, 31
Part 1 (ss. 1-19) (in part) application extended S.I. No. 186 of 1997, reg. 3(a)
S. 2(1) amended 35/2024, ss. 1(2), 266(a)
  37/2022, ss. 1(2), 148(a)
  13/2022, ss. 2, 16(2)
  13/2022, ss. 15(1), Sch. 1, pt. 1, item 1, 16(2)
  5/2022, ss. 10(a), (b), (c), 19(2)
  23/2010, ss. 2, 15(4), sch. 2 part 4 items 1, 2
  21/2004, ss. 1(2), 33, sch. 3 part 12 paras. 1(a)-(d)
  12/2003, ss. 1(2), 35(1), sch. 1 part 21
  12/2001, ss. 12(1), 13(2), sch. part 1
  32/2000, ss. 7(1), 8(2), schedule
  S.I. No. 294 of 2000, reg. 3
  S.I. No. 277 of 1996, reg. 2(a)
S. 2(1) credit institution prescribed for purposes of S.I. No. 551 of 2010, reg. 2
  S.I. No. 751 of 2007, reg. 2(1)
  S.I. No. 690 of 2007, reg. 2
  S.I. No. 139 of 2007, reg. 2(1)
  S.I. No. 138 of 2007, reg. 2(1)
  S.I. No. 100 of 2007, reg. 2(1)
  S.I. No. 687 of 2006, reg. 2
  S.I. No. 371 of 2005, reg. 2
  S.I. No. 715 of 2004, art. 2
  S.I. No. 414 of 2004, art. 2
  S.I. No. 93 of 2004, reg. 2
  S.I. No. 339 of 2002, reg. 2(1)
  S.I. No. 142 of 2002, reg. 2(1)
  S.I. No. 432 of 2001, reg. 2
  S.I. No. 113 of 2000, reg. 3
  S.I. No. 392 of 1999, reg. 2
  S. I. No. 15 of 1999, reg. 2
S. 2(1) definition of "credit institution" amended S.I. No. 355 of 2014, reg. 2
  S.I. No. 127 of 1996, reg. 2
  S.I. No. 277 of 1996, reg. 2(a)
  S.I. No. 369 of 1996, reg. 2
  S.I. No. 15 of 1999, reg. 2
  S.I. No. 392 of 1999, reg. 2
  32/2000, ss. 7(1), 8(2), schedule
  S.I. No. 113 of 2000, reg. 2
  12/2001, ss. 12(1), 13(2), sch.part 1
  S.I. No. 93 of 2004, reg. 2(1)
S. 2(1) definition of "mortgage lender" amended S.I. No. 127 of 1996, reg. 3
S. 2(9) inserted 21/2004, ss. 1(2), 33, sch. 3 part 12 para. 1(e)
S. 2(10) inserted 37/2022, ss. 1(2), 148(b)
S. 3(1) amended S.I. No. 277 of 1996, reg. 2(b)
S. 3(2)(a) amended 21/2015, s. 8
S. 3(2)(aa) inserted 8/1997, ss. 1(2), 60
S. 3(2)(c) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 3(2)(e) substituted 5/2022, ss. 11, 19(2)
S. 3(2)(ea) inserted 15/2009, ss. 2, 37
S. 3(3)(a) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
Part 1A (ss. 4-8F) inserted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, sch. 1 part 21, sch. 3 para. 22
S. 7 deemed authorised officer for purposes of S.I. No. 335 of 2002, reg. 3(2)
S. 7 ctnc. of authorised officer under 12/2003, ss. 1(2), 36, schedule 3, para. 22
Part 1B (ss. 8G-8Q) inserted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, sch. 1 part 21, sch. 3 para. 22
Part 1B heading amended 23/2010, ss. 2, 15(4), schedule 2, pt. 3, item 3
S. 8G(1) amended 40/2012, ss. 2(1), 70(4), sch. 4 part 4 item 1(a), (b)
S. 8H saver S.I. No. 142 of 2016, regs. 2, 12(5), 14(2), 21(7)(a), 42(1)
S. 8M(1) amended 40/2012, ss. 2(1), 70(4), schedule 4, pt. 4, item 2(a)
S. 8M(3) amended 40/2012, ss. 2(1), 70(4), schedule 4, pt. 4, item 2(b)
S. 8M(5)(a) amended 40/2012, ss. 2(1), 70(4), schedule 4, pt. 4, item 2(c)(i)
S. 8M(5)(c) amended 40/2012, ss. 2(1), 70(4), schedule 4, pt. 4, item 2(c)(ii)
Part 1C heading inserted 12/2003, ss. 1(2), 35(1), sch. 1 part 21
S. 9(1) amended 5/2022, ss. 12(a), 19(2)
S. 9(2) amended 5/2022, ss. 12(b), 19(2)
S. 9(2), (3) amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 12 cntnc. in force with transitional provision 21/2004, ss. 1(2), 35, schedule 5, para. 12A
S. 12(1)(a) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 12(1)(aa) inserted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 12(1)(ca) inserted 5/2022, ss. 13, 19(2)
Ss. 12(1), (2) substituted 21/2004, ss. 1(2), 33, schedule 3, pt. 12, para. 2
S. 12(2) (insofar as it relates to a contravention of subs. (1) or (3) of s. 97, or ss. 101, 102 or 127) relevant offence under Act 22/2011, ss. 1(2), 3, schedule 1(7)
S. 12(2)(c) substituted 13/2022, ss. 3, 16(2)
S. 13 substituted 12/2005, ss. 2(1), 82
S. 14(1) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 14(1A) inserted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
s. 14(3) repealed 26/2013, ss. 2, 4(1), schedule 1, pt. 1, item 8
S. 15 substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 16 substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 17(1)(c) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 2, 16(2)
S. 18 substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
Part 2 (ss. 20-28) non-application of S.I. No. 142 of 2016, regs. 2, 11(3), 42(1)
Part 2 (ss. 20-28) application to advertising S.I. No. 281 of 2010, regs. 2, 4(1)
S. 21(1) amended S.I. No. 245 of 1996, reg. 2
S. 22 amended S.I. No. 245 of 1996, reg. 3(a), (b)
S. 28 substituted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, para. 23(1)
S. 28 saving for regs. made under 12/2003, ss. 1(2), 36, schedule 3, para. 23(1)
S. 28A inserted 5/2022, ss. 14, 19(2)
S. 28A(1) amended 13/2022, ss. 4, 16(2)
S. 28B inserted 5/2022, ss. 14, 19(2)
Part 3 (ss. 29-39) non-application of certain sections S.I. No. 281 of 2010, regs. 2, 4(2)
Part 3 (ss. 29-39) saver S.I. No. 281 of 2010, regs. 2, 4(4)
S. 30(1)(a), (b) substituted 26/2013, ss. 2, 76
S. 31(2)(a) amended S.I. No. 129 of 1996, reg. 2
S. 35 amended S.I. No. 129 of 1996, reg. 3
S. 36 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 3, 16(2)
S. 37 substituted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, para. 23(1)
S. 37 saving for regs. made under 12/2003, ss. 1(2), 36, schedule 3, para. 23(1)
S. 39 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 4, 16(2)
Part 4 (ss. 40-50) non-application of certain sections S.I. No. 281 of 2010, regs. 2, 4(2)
Part 4 (ss. 40-50) saver S.I. No. 281 of 2010, regs. 2, 4(4)
S. 43(5) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 43(6) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 5, 16(2)
S. 45 applied S.I. No. 281 of 2010, regs. 2, 4(3)
S. 45(1) amended 26/2013, ss. 2, 77
S. 45(3)(aa) inserted 24/2010, ss. 1(2), 168, schedule, pt. 3, item 21
S. 47(5) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 48(2) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 6, 16(2)
  12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
Part 5 (ss. 51-55) non-application of S.I. No. 281 of 2010, regs. 2, 4(2)
Part 5 (ss. 51-55) saver S.I. No. 281 of 2010, regs. 2, 4(4)
S. 52 substituted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, para. 24
S. 52 ctnc. of method or formula approved for purposes of 12/2003, ss. 1(2), 36, schedule 3, para. 24
S. 53 substituted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, para. 24
S. 53 ctnc. of method or formula approved for purposes of 12/2003, ss. 1(2), 36, schedule 3, para. 24
S. 56A inserted 37/2022, ss. 1(2), 149
S. 58(1)(b)(ii) amended S.I. No. 130 of 1996, reg. 2(a)
S. 58(2)(ca) inserted 5/2022, ss. 15, 19(2)
S. 58(5)(a) amended S.I. No. 130 of 1996, reg. 2(b)
S. 60 substituted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, para. 23(1)
S. 60 saving for regs. made under 12/2003, ss. 1(2), 36, schedule 3, para. 23(1)
S. 73A-73X inserted 37/2022, ss. 1(2), 150(1), (2)
S. 74-79 repealed with saver 37/2022, s. 1(2), ss. 8(1), 9(5), 150(1), (2), sch. 1 part 1 ref. 5
S. 81 repealed 37/2022, s. 1(2), s. 8(1), sch. 1 part 1 ref. 5
S. 84(1)(a)(ii) amended S.I. No. 131 of 1996, reg. 2(a)
S. 84(1)(b)(ii) amended S.I. No. 131 of 1996, reg. 2(b)
S. 84(5)(a) amended S.I. No. 131 of 1996, reg. 2(c)
S. 86 substituted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, para. 23(1)
S. 86 saving for regs. made under 12/2003, ss. 1(2), 36, schedule 3, para. 23(1)
S. 88 substituted with saver 37/2022, ss. 1(2), 9(6), 151(1), (2)
S. 92 substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 92(1) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 7, 16(2)
S. 92(2) amended 13/2022, ss. 5, 16(2)
  23/2010, ss. 2, 15(4), schedule 2, pt. 4, item 4
S. 93(1) substituted 13/2022, ss. 6(a), 16(2)
  12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 93(2) substituted 13/2022, ss. 6(b), 16(2)
S. 93(2) amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 93(3) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 8, 16(2)
S. 93(3) fee for licence under altered S.I. No. 447 of 2004, art. 4(a)(ii)
S. 93(3)-(5) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 93(4) deleted 13/2022, ss. 6(c), 16(2)
S. 93(5) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 9, 16(2)
S. 93(5)(e) substituted 13/2022, ss. 6(d)(i), 16(2)
S. 93(5)(g) deleted 13/2022, ss. 6(d)(ii), 16(2)
S. 93(6) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 10, 16(2)
S. 93(7) substituted 13/2022, ss. 6(e), 16(2)
S. 93(8) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 11, 16(2)
S. 93(8)(d) deleted 13/2022, ss. 6(f)(i), 16(2)
S. 93(8)(f) substituted 13/2022, ss. 6(f)(ii), 16(2)
S. 93(9) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 12, 16(2)
S. 93(10) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 13, 16(2)
  12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 93(10)(c)(i) amended 35/2024, ss. 1(2), 266(b)(i)
S. 93(10)(c)(iii) amended 35/2024, ss. 1(2), 266(b)(ii)
S. 93(10)(d) amended 39/1997, ss. 1097, 1100, 1102, 1103, schedule 31
S. 93(10)(d) substituted 22/1997, ss. 160(2)(a)(i), 160(3)
S. 93(10)(f), (g) amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 93(10)(g) substituted 13/2022, ss. 6(g)(i), 16(2)
S. 93(10)(ga) inserted 13/2022, ss. 6(g)(ii), 16(2)
S. 93(10)(h) amended 13/2022, ss. 6(g)(iii), 16(2)
S. 93(10)(i) inserted 13/2022, ss. 6(g)(iv), 16(2)
S. 93(10)(j) inserted 13/2022, ss. 6(g)(iv), 16(2)
S. 93(10)(k) inserted 13/2022, ss. 6(g)(iv), 16(2)
S. 93(10A) inserted 22/1997, ss. 160(2)(a)(ii), 160(3)
S. 93(10A)(a) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 14, 16(2)
S. 93(10A)(a)(i), (ii) 39/1997, ss. 1097, 1100, 1102, 1103, schedule 31
S. 93(11) substituted 13/2022, ss. 6(h), 16(2)
S. 93(11), (12), (13), (17), (19) amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 93(12) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 15, 16(2)
S. 93(13)-(19) substituted 21/2004, ss. 1(2), 10(2), schedule 1, pt. 6, para. 1
S. 93(14) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 16, 16(2)
S. 93(16)(a) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 17, 16(2)
S. 93(17)(a) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 18, 16(2)
S. 93(20) inserted 13/2022, ss. 6(i), 16(2)
S. 94 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 19, 16(2)
  12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 94A inserted 13/2022, ss. 7, 16(2)
S. 95 substituted 13/2022, ss. 8, 16(2)
S. 96 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 20, 16(2)
S. 96 substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 97(1) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 21, 16(2)
  12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 97(2) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 22, 16(2)
S. 97(3) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 23, 16(2)
S. 97(5) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 24, 16(2)
S. 98 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 25, 16(2)
S. 98A inserted 13/2022, ss. 9, 16(2)
S. 99 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 26, 16(2)
S. 100(1) substituted 13/2022, ss. 10(a), 16(2)
S. 100(2) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 27, 16(2)
S. 100(2)(a)(vii) substituted 13/2022, ss. 10(b)(i), 16(2)
S. 100(2)(a)(viii) substituted 13/2022, ss. 10(b)(ii), 16(2)
S. 100(3) inserted 13/2022, ss. 10(c), 16(2)
S. 100(4) inserted 13/2022, ss. 10(c), 16(2)
S. 101 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 28, 16(2)
S. 101(3) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 101(3A) inserted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 102(1) substituted 13/2022, ss. 11, 16(2)
S. 102(2) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 29, 16(2)
S. 103 repealed 13/2022, ss. 12, 16(2)
S. 103(1)(d) amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 104 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 30, 16(2)
S. 105(1) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 31, 16(2)
S. 105(2) amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 106(1) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 32, 16(2)
S. 107(1) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 33, 16(2)
S. 108(1) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 34, 16(2)
S. 110 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 35, 16(2)
S. 111 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 36, 16(2)
S. 112 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 37, 16(2)
S. 114 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 38, 16(2)
S. 114 substituted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, para. 23(2)
S. 114 saving for regs. made under 12/2003, ss. 1(2), 36, schedule 3, para. 23(2)
S. 114A inserted 13/2022, ss. 13, 16(2)
S. 114B inserted 13/2022, ss. 14, 16(2)
S. 115 application extended S.I. No. 186 of 1997, regs. 2, 3(b)
S. 115(2) amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 116 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 39, 16(2)
S. 116 saver S.I. No. 142 of 2016, regs. 2, 42(2)
S. 116 amended with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, para. 23(2)
S. 116 saving for regs. made under. 12/2003, ss. 1(2), 36, schedule 3, para. 23(2)
S. 116 application restricted S.I. No. 247 of 1996, reg. 3
S. 116(1) amended S.I. No. 142 of 2016, regs. 2, 44(1)(a)
S. 116(4) fee for authorisation under altered S.I. No. 447 of 2004, art. 4(a)(iii)
S. 116(4) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 116(5) deleted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
Ss. 116(7), 116(9) substituted 21/2004, ss. 1(2), 33, schedule 3, pt. 12, paras. 3(a), 3(b)
S. 116(9)(c)(i) amended 35/2024, ss. 1(2), 266(c)(i)
S. 116(9)(c)(iii) amended 35/2024, ss. 1(2), 266(c)(ii)
S. 116(9)(d) amended 39/1997, ss. 1097, 1100, 1102, 1103, schedule 31
S. 116(9)(d) substituted 22/1997, ss. 160(2)(b)(i), 160(3)
S. 116(9) amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 116(9A) inserted 22/1997, ss. 160(2)(b)(ii), 160(3)
S. 116(9A)(a)(i), (ii) amended 39/1997, ss. 1097, 1100, 1102, 1103, schedule 31
S. 116(10) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 116(11) substituted 21/2004, ss. 1(2), 33, schedule 3, pt. 12, para. 3(c)
S. 116(11), (12), (13) amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 116(11)(c)(i) amended 35/2024, ss. 1(2), 266(d)(i)
S. 116(11)(c)(iii) amended 35/2024, ss. 1(2), 266(d)(ii)
Ss. 116(13)-(20) substituted 21/2004, ss. 1(2), 10(2), schedule 1, pt. 6, para. 2
S. 116A inserted S.I. No. 142 of 2016, regs. 2, 44(1)(b)
S. 117(a) amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 118 substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 119 substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 120 substituted with transitional provisions 12/2003, ss. 1(2), 35(1), schedule 1, 36, pt. 21, schedule 3, para. 23(2)
S. 120 saving for regs. made under 12/2003, ss. 1(2), 36, schedule 3, para. 23(2)
S. 121(1) (other than "subject to subsection (3)") application extended S.I. No. 186 of 1997, regs. 2, 3(b)
S. 121(4) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 123 application extended S.I. No. 186 of 1997, regs. 2, 3(b)
S. 124 saver S.I. No. 142 of 2016, regs. 2, 13(7), 42(1)
S. 124 application extended S.I. No. 186 of 1997, regs. 2, 3(b)
S. 125 application extended S.I. No. 186 of 1997, regs. 2, 3(b)
S. 126 saver S.I. No. 142 of 2016, regs. 2, 13(7), 42(1)
S. 127 saver S.I. No. 142 of 2016, regs. 2, 13(7), 42(1)
S. 128 saver S.I. No. 142 of 2016, regs. 2, 12(5), 14(2), 21(7)(a), 42(1)
S. 128 application extended S.I. No. 186 of 1997, regs. 2, 3(b)
S. 129 (where applicable) application extended S.I. No. 186 of 1997, regs. 2, 3(b)
S. 129(3) inserted S.I. No. 142 of 2016, regs. 2, 44(2)
S. 130 application extended S.I. No. 186 of 1997, regs. 2, 3(b)
S. 131 saving for regs. made under 12/2003, ss. 1(2), 36, schedule 3, para. 23(2)
S. 131(1) substituted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, para. 23(2)
S. 131(3)(b)(i), (ii) amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 132 application extended S.I. No. 186 of 1997, regs. 2, 3(b)
S. 133 saver S.I. No. 142 of 2016, regs. 2, 12(5), 14(2), 21(7)(a), 42(1)
S. 134 application extended S.I. No. 186 of 1997, regs. 2, 3(b)
S. 135 saver S.I. No. 142 of 2016, regs. 2, 12(5), 12(6), 42(1)
S. 135 amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 135(4) deleted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 137 substituted with transitional provisions 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21, schedule 3, para. 23(3)
S. 137 saving for regs. made under 12/2003, ss. 1(2), 36, schedule 3, para. 23(3)
S. 142(2)(b) substituted 7/2018, ss. 1(3), 181(a)
S. 142(3A) inserted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 142(4)(b) substituted 7/2018, ss. 1(3), 181(b)
S. 142(5) inserted 7/2018, ss. 1(3), 181(c)
S. 143(3) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 143(4) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 143(5) inserted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 143(6) inserted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 143(7) inserted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 144 saving for regs. made under 12/2003, ss. 1(2), 36, schedule 3, para. 23(3)
S. 144(1) substituted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, paras. 23(3), 25
S. 144(1) ctnc. of mortgage intermediaries authorisation under 12/2003, ss. 1(2), 36, schedule 3, para. 25
Ss. 144(5), (6) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 144(9)(c)(i) amended 35/2024, ss. 1(2), 266(e)(i)
S. 144(9)(c)(iii) amended 35/2024, ss. 1(2), 266(e)(ii)
S. 144(9)(c)(v) amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 40, 16(2)
S. 144(9)(d) amended 39/1997, ss. 1097, 1100, 1102, 1103, schedule 31
S. 144(9)(d) substituted 22/1997, s. 160(2)(c)(i), 160(3)
S. 144(9A) inserted 22/1997, s. 160(2)(c)(ii), 160(3)
S. 144(9A)(a)(i), (ii) amended 39/1997, ss. 1097, 1100, 1102, 1103, schedule 31
S. 144(10) substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 149 substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 149(5), (6) amended 26/2013, ss. 2, 78(a), 78(b)
S. 149(6A) inserted 26/2013, ss. 2, 78(c)
Ss. 149(12A), (12B), (12C) inserted 21/2004, ss. 1(2), 33. schedule 3, pt. 12, para. 4
Ss. 149(15)-(18) inserted 26/2013, ss. 2, 78(d)
S. 149A inserted 8/1997, ss. 1(2), 36(a)
S. 149A substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 149A amended 21/2004, ss. 1(2), 33, schedule 3, pt. 12, para. 5(a)
S. 149A(14) substituted 21/2004, ss. 1(2), 33, schedule 3, pt. 12, para. 5(b)
S. 149A(15)-(18) inserted 21/2004, ss. 1(2), 33, schedule 3, pt. 12, para. 5(b)
S. 150 amended 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
  8/1997, ss. 1(2), 36(b)
S. 151 substituted 12/2003, ss. 1(2), 35(1), schedule 1, pt. 21
S. 151 interpretation of registers established under 12/2003, ss. 1(2), 36, schedule 3, para. 20
S. 151A amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 41, 16(2)
S. 151A inserted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, para. 20(3)
S. 151B inserted with transitional provisions 12/2003, ss. 1(2), 35(1), 36, schedule 1, pt. 21, schedule 3, para. 20(3)
Sch. 1 part 3 inserted S.I. No. 294 of 2000, reg. 4
Sch. 3 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 42, 16(2)
Sch. 3 part 1 amended S.I. No. 128 of 1996, reg. 2, schedule
Sch. 3 part 2 amended S.I. No. 132 of 1996, reg. 2, schedule
Sch. 4 substituted S.I. No. 294 of 2000, reg. 5
Sch. 5 para. 2(a)(ii) amended S.I. No. 246 of 1996, reg. 2(a)
Sch. 5 para. 2(b) substituted S.I. No. 246 of 1996, reg. 2(b)
Sch. 6 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 43, 16(2)
Sch. 7 amended 13/2022, ss. 15(1), Sch. 1, pt. 1, item 44, 16(2)

SIs made under the Act

SectionSIs made under the Act
S. 2(1) Consumer Credit Act 1995 (Section 2) Regulations 2016 (S.I. No. 325 of 2016)
  Consumer Credit Act 1995 (Section 2) Regulations 2015 (S.I. No. 352 of 2015)
  Consumer Credit Act 1995 (Section 2) (No. 1) Regulations 2014 (S.I. No. 355 of 2014)
  Consumer Credit Act 1995 (Section 2) (No. 1) Regulations 2012 (S.I. No. 322 of 2012)
  Consumer Credit Act 1995 (Section 2) (No. 1) Regulations 2010 (S.I. No. 551 of 2010)
  Consumer Credit Act 1995 (Section 2) (No. 1) Regulations 2008 (S.I. No. 125 of 2008)
  Consumer Credit Act 1995 (Section 2) (No. 1) Regulations 2007 (S.I. No. 100 of 2007)
  Consumer Credit Act 1995 (Section 2) (No. 2) Regulations 2007 (S.I. No. 138 of 2007)
  Consumer Credit Act 1995 (Section 2) (No. 3) Regulations 2007 (S.I. No. 139 of 2007)
  Consumer Credit Act 1995 (Section 2) (No. 4) Regulations 2007 (S.I. No. 690 of 2007)
  Consumer Credit Act 1995 (Section 2) (No. 4) Regulations 2007 (S.I. No. 751 of 2007)
  Consumer Credit Act 1995 (Section 2) (No. 1) Regulations 2006 (S.I. No. 687 of 2006)
  Consumer Credit Act 1995 (Section 2) (No. 1) Regulations 2005 (S.I. No. 371 of 2005)
  Consumer Credit Act 1995 (Section 2) (Amendment) Regulations 2005 (S.I. No. 372 of 2005)
  Consumer Credit Act 1995 (Section 2) (No. 1) Regulations 2004 (S.I. No. 93 of 2004)
  Consumer Credit Act 1995 (Section 2) (No. 2) Regulations 2004 (S.I. No. 414 of 2004)
  Consumer Credit Act 1995 (Section 2) (No. 3) Regulations 2004 (S.I. No. 715 of 2004)
  Consumer Credit Act 1995 (Section 2) Regulations 2002 (S.I. No. 142 of 2002)
  Consumer Credit Act 1995 (Section 2) (No. 2) Regulations 2002 (S.I. No. 339 of 2002)
  Consumer Credit Act 1995 (Section 2) Regulations 2001 (S.I. No. 432 of 2001)
  Consumer Credit Act 1995 (Section 2) Regulations 2000 (S.I. No. 113 of 2000)
  Consumer Credit Act 1995 (Section 2) Regulations 1999 (S.I. No. 15 of 1999)
  Consumer Credit Act 1995 (Section 2) (No. 2) Regulations 1999 (S.I. No. 392 of 1999)
  Consumer Credit Act, 1995 (Section 2) (No. 2) Regulations, 1996 (S.I. No. 369 of 1996)
  Consumer Credit Act, 1995 (Section 2) Regulations, 1996 (S.I. No. 127 of 1996)
S. 3(3)(a) Consumer Credit Act, 1995 (Section 3) Regulations, 1997 (S.I. No. 186 of 1997)
S. 28 Consumer Credit Act, 1995 (Section 28) Regulations, 1996 (S.I. No. 245 of 1996)
S. 36 Consumer Credit Act, 1995 (Section 36) Regulations, 1996 (S.I. No. 128 of 2016)
S. 37 Consumer Credit Act, 1995 (Section 37) Regulations, 1996 (S.I. No. 129 of 1996)
S. 60 Consumer Credit Act, 1995 (Section 60) (No. 2) Regulations, 1996 (S.I. No. 246 of 1996)
  Consumer Credit Act, 1995 (Section 60) Regulations, 1996 (S.I. No. 130 of 1996)
S. 86 Consumer Credit Act, 1995 (Section 86) Regulations, 1996 (S.I. No. 131 of 1996)
S. 98A Consumer Credit Act 1995 (section 98A) (Maximum Interest Rates) Regulations 2022 (S.I. No. 576 of 2022)
S. 120 Consumer Credit Act, 1995 (Section 120) Regulations, 1996 (S.I. No. 247 of 1996)
S. 129 Consumer Credit Act, 1995 (Section 129) Regulations, 1996 (S.I. No. 132 of 1996)