Legislation for Retail Credit Firms Legislation relevant to the regulation of Retail Credit Firms is listed below. Where the links provided are to www.irishstatutebook.ie, users should note the disclaimer on the Irish Statute Book website. The following list is not exhaustive and is intended to serve as a general guide only: Acts Consumer Credit Act 1995 Central Bank Act 1997 Central Bank and Financial Services Authority of Ireland Act 2003 Central Bank and Financial Services Authority of Ireland Act 2004 Markets in Financial Instruments and Miscellaneous Provisions Act 2007 Consumer Protection (Regulation of Credit Servicing Firms) Act 2015 Central Bank Reform Act, 2010 Consumer Protection (Regulation of Retail Credit and Credit Servicing Firms) Act 2022 Directions issued under the Consumer Credit Act, 1995 Direction issued by the Financial Regulator under Section 135(1) of the Consumer Credit Act, 1995 effective 1 January 2007 | pdf 19 KB Direction issued by the Office of the Director of Consumer Affairs under Section 135(1) of the Consumer Credit Act, 1995 effective 24 March 1997 | pdf 6 KB Direction issued by the Office of the Director of Consumer Affairs under Section 149(7) of the Consumer Credit Act, 1995 effective 26 February 1998 | pdf 5 KB Statutory Instruments S.I. No 853 of 2004 - European Communities (Distance marketing of Consumer Financial Services) Regulations 2004