3.11 Article 18(11) of CCD2

It is essential that the consumer's ability and propensity to repay the credit is assessed and verified before a credit agreement is concluded. That assessment of creditworthiness should be proportionate and done in the interest of the consumer, to prevent irresponsible lending practices and over-indebtedness, and should take into consideration all necessary and relevant factors that could influence a consumer's ability to repay the credit. As part of the creditworthiness assessment, Member States may require creditors to assess the creditworthiness of consumers on the basis of consultation with the relevant database. 

Question 11 – Should Ireland continue to require creditors to consult with appropriate databases (The Central Credit Register) as part of the creditworthiness assessment?