3.20 Article 32(5) of CCD2

Under CCD2 Member States remain free to maintain or introduce additional obligations incumbent on creditors and credit intermediaries, including the conditions under which a creditor or credit intermediary may receive payments from a consumer prior to the conclusion of a credit agreement.

Question 20 – Should Ireland prohibit or impose restrictions on the payments from a consumer to a creditor or a credit intermediary prior to the conclusion of a credit agreement?