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Regulated Credit Agreement

Regulated Credit Agreement Template for Ireland

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Key Requirements PROMPT example:

Regulated Credit Agreement

"I need a Regulated Credit Agreement for a €25,000 personal loan to be issued by ABC Bank Ireland to individual consumers, with a 5-year fixed term and monthly repayments, to be launched in March 2025."

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Document background
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.
Suggested Sections

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

Optional Sections

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

Suggested Schedules

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

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions








































Clauses






























Relevant Industries

Financial Services

Banking

Consumer Finance

Retail Banking

Consumer Lending

Mortgage Lending

Auto Finance

Point of Sale Finance

Personal Lending

Credit Services

Relevant Teams

Legal

Compliance

Risk Management

Retail Banking

Consumer Lending

Credit Operations

Product Development

Customer Service

Documentation

Regulatory Affairs

Relevant Roles

Credit Officer

Compliance Manager

Legal Counsel

Consumer Credit Manager

Risk Officer

Product Manager

Retail Banking Manager

Consumer Protection Officer

Credit Risk Analyst

Documentation Specialist

Regulatory Affairs Manager

Customer Relations Manager

Operations Manager

Credit Administrator

Financial Services Director

Industries









Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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