3.10 Article 16(6) of CCD2

Article 16(6) provides that only creditors and, where applicable, credit intermediaries shall provide advisory services to consumers. By way of derogation from the requirement, Member States may allow other persons to provide advisory services on condition that they are provided under a regulated professional framework; provided by regulated insolvency practitioners; provided by non-commercial public or voluntary debt advisory services or provided by persons authorised and supervised by the competent authority.

Question 10 – Should Ireland continue to allow persons to provide advisory services on condition that they are provided under a regulated professional framework; provided by regulated insolvency practitioners; provided by non-commercial public or voluntary debt advisory services or provided by persons authorised and supervised by the competent authority?