Consumer Credit Directive - CCD2 - Deais

Dúnta19 M.F., 2024, 12:00 - 18 D.F., 2024, 17:00

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Stádas: 
Dúnta
Dáta Oscailte: 
19.09.2024 - 12:00
Dáta Dúntha: 
18.10.2024 - 17:00

Submissions Athbhreithnithe

  • Céim 1 Tuairimí
  • Céim 2 - moladh
  • Céim 3 athbhreithnithe

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Consumer Credit Directive - CCD2
101 observations by 7 users
0 opinions submitted
2 files attached

Amharc Príomh:

Tuairimí | Iarratais | Cúiseanna

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Number of responses: 7

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Question Cloud

Should debit cards which comply with the above conditions be exempted from the transposition of CCD2 in Ireland and if so why?
Are there any other specific organisations that Ireland should apply the discretion provided by Article 2(6)?
Should credit agreements in respect of deferred payments where the consumer is in or likely to be in default be exempt from the specific provisions of CCD2 relating to creditworthiness assessments?
Should Ireland exempt such credit agreements as described above?
Should Ireland prohibit such advertising as described above?
Should Ireland adapt any such requirements regarding the manner in which explanations are to be given?
Should creditors be allowed to require borrowers to open or maintain accounts as part of the credit agreement for the above purposes?
Should creditors be allowed to require borrowers to have an appropriate insurance policy as part of the credit agreement for the above purposes?
Should the use of the terms independent advice and independent advisor or other similar terms be prohibited where these services are provided by the credit provider or credit intermediary?
Should Ireland continue to allow persons as described above to provide advisory services?
Should Ireland continue to require creditors to consult with appropriate databases as part of the creditworthiness assessment?
Should Ireland introduce any further such national rules on the validity of the conclusion of credit agreements?
Should there be more stringent consumer protection provisions above those provided for in Article 24 of CCD2?
Should there be more stringent consumer protection provisions above those provided for in Article 25 of CCD2?
Should creditors have a right to compensation for early repayment and if so what should the threshold for early repayment be that triggers the right to compensation?
Should Ireland provide for any further prohibitions or limitations regarding specific charges or fees applied by creditors?
Should Ireland impose a ban on commissions paid by a creditor to a credit intermediary?
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?
Should creditors in Ireland be permitted to impose cost-recouping charges on consumers in default? If yes then what should the cap on such charges be?
Should Ireland exempt qualifying enterprises from registration and supervision arrangements?
Should the Central Bank of Ireland have product intervention powers to direct that products which are contrary to consumer interests are withdrawn?