Codes / Guidance on Regulatory Requirements

Please see relevant Requirements and Guidance reference material listed below:

Consumer Protection Code

The Consumer Protection Code 2025 took effect on 24 March 2026 following a 12-month implementation period.

Through the Consumer Protection Code, we aim to:

Deliver a modernised Code that reflects how financial services are delivered in a digital world.

Ensure firms effectively incorporate customers’ interests into their strategy and decision-making.

Create a package of updated protections that reflect how consumers are accessing financial services today.

Provide clarity and predictability for firms on their consumer protection obligations.

Support consumers and firms in accessing and navigating the Code.

Read more about the Code.

Minimum Competency Standards

The minimum competency standards set out minimum professional standards for persons providing certain financial services, in particular when dealing with consumers. The aim is to ensure that consumers obtain a minimum acceptable level of competence from individuals acting for or on behalf of regulated firms in the provision of advice and information and associated activities in connection with retail financial products. 

The Minimum Competency Code 2017 (MCC 2017) and the Central Bank (Supervision and Enforcement) Act 2013 (Section 48 (1)) Minimum Competency Regulations 2017 (MCR 2017) came into effect on 3 January 2018. Together, the MCC 2017 and the MCR 2017 replace the Minimum Competency Code 2011.

You can find more details at the following link MCC 2017 and the MCR 2017.

Other important guidance for Retail Intermediaries

View information on Fitness and Probity.