Unfair Contract Terms Directive (93/13) - Ireland

National Law

  • Central Bank (Supervision and Enforcement) Act 2013
    • Adoption date for national laws: Thu Jul 11 00:00:00 CEST 2013
    • In force date: Thu Jul 11 00:00:00 CEST 2013
    • PDF: en.act.2013.0026_en.pdf
Central Bank (Supervision and Enforcement) Act 2013 11/07/2013 11/07/2013
  • Competition and Consumer Protection Act 2014
    • Adoption date for national laws: Mon Jul 28 00:00:00 CEST 2014
    • In force date: Fri Oct 31 00:00:00 CET 2014
Competition and Consumer Protection Act 2014 28/07/2014 31/10/2014
  • Consumer Protection (Fixed Payment Notice) Regulations 2007
    • Adoption date for national laws: Fri Oct 12 00:00:00 CEST 2007
    • In force date: Sat Oct 13 00:00:00 CEST 2007
Consumer Protection (Fixed Payment Notice) Regulations 2007 12/10/2007 13/10/2007
  • Consumer Protection Act 2007
    • Adoption date for national laws: Sat Apr 21 00:00:00 CEST 2007
    • In force date: Thu Apr 12 00:00:00 CEST 2007
    • PDF: en.act.2007.0019_en.pdf
Consumer Protection Act 2007 21/04/2007 12/04/2007
  • Consumer Protection Bill 2007
Consumer Protection Bill 2007 01/05/2007 01/05/2007
  • EUROPEAN UNION (TEXTILE FIBRE NAMES AND RELATED LABELLING AND MARKING OF THE FIBRE COMPOSITION OF TEXTILE PRODUCTS) REGULATIONS 2012
    • Adoption date for national laws: Tue May 08 00:00:00 CEST 2012
    • In force date: Tue May 08 00:00:00 CEST 2012
    • PDF: en.si.2012.0142_en.pdf
EUROPEAN UNION (TEXTILE FIBRE NAMES AND RELATED LABELLING AND MARKING OF THE FIBRE COMPOSITION OF TEXTILE PRODUCTS) REGULATIONS 2012 08/05/2012 08/05/2012
  • European Communities (Cancellation of Contracts negotiated away from business premises) Regulations, 1989
    • Adoption date for national laws: Fri Jan 01 00:00:00 CET 9999
    • In force date: Fri Jan 01 00:00:00 CET 9999
    • PDF: legislation147_en.pdf
European Communities (Cancellation of Contracts negotiated away from business premises) Regulations, 1989 01/01/9999 01/01/9999
  • European Communities (Certain Aspects of the Sale of Consumer Goods and Associated Guarantees) Regulations 2003
    • Adoption date for national laws: Wed Jan 22 00:00:00 CET 2003
    • In force date: Wed Jan 22 00:00:00 CET 2003
    • PDF: legislation331_en.pdf
European Communities (Certain Aspects of the Sale of Consumer Goods and Associated Guarantees) Regulations 2003 22/01/2003 22/01/2003
  • European Communities (Contracts for Time Sharing of Immovable Property—Protection of Purchasers) Regulations 1997 and 2000
    • Adoption date for national laws: Wed Jan 01 00:00:00 CET 1997
    • In force date: Mon May 19 00:00:00 CEST 1997
    • PDF: legislation301_en.pdf
European Communities (Contracts for Time Sharing of Immovable Property—Protection of Purchasers) Regulations 1997 and 2000 01/01/1997 19/05/1997
  • European Communities (Court Orders for the Protection of Consumer Interests) Regulations 2010
    • Adoption date for national laws: Fri Nov 26 00:00:00 CET 2010
    • In force date: Fri Nov 26 00:00:00 CET 2010
    • PDF: legislation473_en.pdf
European Communities (Court Orders for the Protection of Consumer Interests) Regulations 2010 26/11/2010 26/11/2010
European Communities (Court Orders for the Protection of Consumer Interests) Regulations 2010 23/11/2010 23/11/2010
European Communities (Misleading and Comparative Marketing Communications) Regulations 2007 30/11/2007 30/11/2007
  • European Communities (Protection of Consumers in Respect of Contracts made by Means of Distance Communication) Regulations, 2001
    • Adoption date for national laws: Fri Jan 01 00:00:00 CET 9999
    • In force date: Tue May 15 00:00:00 CEST 2001
    • PDF: legislation328_en.pdf
European Communities (Protection of Consumers in Respect of Contracts made by Means of Distance Communication) Regulations, 2001 01/01/9999 15/05/2001
  • European Communities (Protection of Consumers' Collective Interests) Regulations, 2001
    • Adoption date for national laws: Fri Jan 01 00:00:00 CET 9999
    • In force date: Wed Oct 03 00:00:00 CEST 2001
    • PDF: legislation330_en.pdf
European Communities (Protection of Consumers' Collective Interests) Regulations, 2001 01/01/9999 03/10/2001
  • European Communities (Requirements to Indicate Product Prices) Regulations 2002
    • Adoption date for national laws: Fri Dec 20 00:00:00 CET 2002
    • In force date: Sat Mar 01 00:00:00 CET 2003
European Communities (Requirements to Indicate Product Prices) Regulations 2002 20/12/2002 01/03/2003
  • European Communities (Requirements to Indicate Product Prices) Regulations, 2002
    • Adoption date for national laws: Fri Jan 01 00:00:00 CET 9999
    • In force date: Sat Mar 01 00:00:00 CET 2003
    • PDF: legislation329_en.pdf
European Communities (Requirements to Indicate Product Prices) Regulations, 2002 01/01/9999 01/03/2003
  • European Communities (Unfair Terms in Consumer Contracts) Regulations 1995
    • Adoption date for national laws: Wed Feb 01 00:00:00 CET 1995
    • In force date: Sat Dec 31 00:00:00 CET 1994
European Communities (Unfair Terms in Consumer Contracts) Regulations 1995 01/02/1995 31/12/1994
  • European Communities (Unfair Terms in Consumer Contracts) Regulations, 1995 and 2000.
    • Adoption date for national laws: Fri Jan 01 00:00:00 CET 9999
    • In force date: Sun Jan 01 00:00:00 CET 1995
    • PDF: legislation235_en.pdf
European Communities (Unfair Terms in Consumer Contracts) Regulations, 1995 and 2000. 01/01/9999 01/01/1995
  • European Union (Consumer Information, Cancellation and Other Rights) Regulations 2013
    • Adoption date for national laws: Wed Dec 11 00:00:00 CET 2013
    • In force date: Sat Jun 14 00:00:00 CEST 2014
European Union (Consumer Information, Cancellation and Other Rights) Regulations 2013 11/12/2013 14/06/2014
  • European Union (Package Travel and Linked Travel Arrangements) Regulations 2019
    • Adoption date for national laws: Mon Mar 11 00:00:00 CET 2019
    • In force date: Mon Mar 11 00:00:00 CET 2019
European Union (Package Travel and Linked Travel Arrangements) Regulations 2019 11/03/2019 11/03/2019
  • European Union (Protection of Consumers in respect of Timeshare, Long-Term Holiday Product, Resale and Exchange Contracts) Regulations 2011
    • Adoption date for national laws: Wed Feb 23 00:00:00 CET 2011
    • In force date: Wed Feb 23 00:00:00 CET 2011
    • PDF: legislation470_en.pdf
European Union (Protection of Consumers in respect of Timeshare, Long-Term Holiday Product, Resale and Exchange Contracts) Regulations 2011 23/02/2011 23/02/2011
European Union (Protection of Consumers in respect of Timeshare, Long-term Holiday Product, Resale and Exchange Contracts) Regulations 2011 23/02/2011 23/02/2011
  • Package Holidays and Travel Trade Act, 1995
    • Adoption date for national laws: Sun Oct 01 00:00:00 CET 1995
    • In force date: Sun Oct 01 00:00:00 CET 1995
    • PDF: legislation253_en.pdf
Package Holidays and Travel Trade Act, 1995 01/10/1995 01/10/1995
Package Holidays and Travel Trade Act, 1995 01/10/1995 01/10/1995

Enforcement System

No results available


Cases

  • High Court, Judgment 807
    • National ID: High Court, Judgment 807
    • Common Name: Bank of Ireland Mortgage Bank -v- Hade & anor
    • Directive Part: link
    • Decision type: Court decision in appeal
    • Decision date: Fri May 12 00:00:00 CEST 2017
High Court, Judgment 807 Bank of Ireland Mortgage Bank -v- Hade & anor link" Court decision in appeal" 12/05/2017
  • High Court, Judgment 685
    • National ID: High Court, Judgment 685
    • Common Name: Cronin v Dublin City Sheriff & anor
    • Directive Part: link
    • Decision type: Court decision in appeal
    • Decision date: Tue Oct 17 00:00:00 CEST 2017
High Court, Judgment 685 Cronin v Dublin City Sheriff & anor link" Court decision in appeal" 17/10/2017
  • High Court, Judgment 604
    • National ID: High Court, Judgment 604
    • Common Name: EBS Limited -v- Kenehan & Anor
    • Directive Part: link
    • Decision type: Court decision in appeal
    • Decision date: Tue Oct 24 00:00:00 CEST 2017
High Court, Judgment 604 EBS Limited -v- Kenehan & Anor link" Court decision in appeal" 24/10/2017
  • High Court, Judgment 803
    • National ID: High Court, Judgment 803
    • Common Name: AIB Mortgage Bank & Anor -v- Cosgrove
    • Directive Part: link
    • Decision type: Court decision in appeal
    • Decision date: Tue Oct 31 00:00:00 CET 2017
High Court, Judgment 803 AIB Mortgage Bank & Anor -v- Cosgrove link" Court decision in appeal" 31/10/2017
  • High Court, Judgment 789
    • National ID: High Court, Judgment 789
    • Common Name: Bank of Ireland -v- Roarty & anor
    • Directive Part: link
    • Decision type: Court decision in appeal
    • Decision date: Sun Dec 10 00:00:00 CET 2017
High Court, Judgment 789 Bank of Ireland -v- Roarty & anor link" Court decision in appeal" 10/12/2017
  • High Court, Judgment 455
    • National ID: High Court, Judgment 455
    • Common Name: The Governor and Company of the Bank of Ireland v McMahon & anor
    • Directive Part: Article 5 Article 5 link
    • Decision type: Court decision in appeal
    • Decision date: Fri Jun 15 00:00:00 CEST 2018
High Court, Judgment 455 The Governor and Company of the Bank of Ireland v McMahon & anor Article 5 Article 5 link" Court decision in appeal" 15/06/2018
  • High Court, Judgment 289
    • National ID: High Court, Judgment 289
    • Common Name: Ulster Bank v Costello and Anor
    • Directive Part: link
    • Decision type: Court decision in appeal
    • Decision date: Tue Dec 04 00:00:00 CET 2018
High Court, Judgment 289 Ulster Bank v Costello and Anor link" Court decision in appeal" 04/12/2018
  • High Court, Judgement [2019] IEHC 184
    • National ID: High Court, Judgement [2019] IEHC 184
    • Common Name: Permanent TSB plc formerly Irish Life and Permanent plc v Davis & anor
    • Directive Part: Article 4 ANNEX I, 2., (b) Article 3 ANNEX I, 1., (j)
    • Decision type: Court decision in appeal
    • Decision date: Thu Mar 28 00:00:00 CET 2019
High Court, Judgement [2019] IEHC 184 Permanent TSB plc formerly Irish Life and Permanent plc v Davis & anor Article 4 ANNEX I, 2., (b) Article 3 ANNEX I, 1., (j)" Court decision in appeal" 28/03/2019
  • High Court, Judgement [2020] IEHC 212
    • National ID: High Court, Judgement [2020] IEHC 212
    • Common Name: ESB Mortgage Finance v Ryan and Ryan
    • Directive Part: Article 6 Article 4 Article 3
    • Decision type: Court decision in appeal
    • Decision date: Tue May 12 00:00:00 CEST 2020
High Court, Judgement [2020] IEHC 212 ESB Mortgage Finance v Ryan and Ryan Article 6 Article 4 Article 3" Court decision in appeal" 12/05/2020
  • High Court, Judgement [2021] IEHC 286
    • National ID: High Court, Judgement [2021] IEHC 286
    • Common Name: Start Mortgages DAC v Keating and Anor
    • Directive Part: Article 5 Article 5 Article 4
    • Decision type: Court decision in appeal
    • Decision date: Tue May 11 00:00:00 CEST 2021
High Court, Judgement [2021] IEHC 286 Start Mortgages DAC v Keating and Anor Article 5 Article 5 Article 4" Court decision in appeal" 11/05/2021
  • High Court , Judgement [2021] IEHC 719
    • National ID: High Court , Judgement [2021] IEHC 719
    • Common Name: Start Mortgages DCA v Ryan and Anor
    • Directive Part: Article 6 Article 4 Article 3
    • Decision type: Court decision in appeal
    • Decision date: Thu Nov 18 00:00:00 CET 2021
High Court , Judgement [2021] IEHC 719 Start Mortgages DCA v Ryan and Anor Article 6 Article 4 Article 3" Court decision in appeal" 18/11/2021
  • High Court, Judgement [2022] IEHC 190
    • National ID: High Court, Judgement [2022] IEHC 190
    • Common Name: Start Mortgages DAC v Anthony Galibert & Paula Galibert
    • Directive Part: Article 4
    • Decision type: Court decision in appeal
    • Decision date: Fri Apr 01 00:00:00 CEST 2022
High Court, Judgement [2022] IEHC 190 Start Mortgages DAC v Anthony Galibert & Paula Galibert Article 4" Court decision in appeal" 01/04/2022
  • High Court, Judgement [2018] IEHC 445
    • National ID: High Court, Judgement [2018] IEHC 445
    • Common Name: Harrington & anor -v- Gulland Property Finance Ltd and Anor (No.2)
    • Directive Part: Article 2 Article 2
    • Decision type: Court decision, first degree
    • Decision date: Wed Jul 25 00:00:00 CEST 2018
High Court, Judgement [2018] IEHC 445 Harrington & anor -v- Gulland Property Finance Ltd and Anor (No.2) Article 2 Article 2" Court decision, first degree" 25/07/2018
  • High Court, Judgement [2019] IEHC 421
    • National ID: High Court, Judgement [2019] IEHC 421
    • Common Name: Bank of Ireland Mortgage Bank v Kane
    • Directive Part: link
    • Decision type: Court decision, first degree
    • Decision date: Fri May 24 00:00:00 CEST 2019
High Court, Judgement [2019] IEHC 421 Bank of Ireland Mortgage Bank v Kane link" Court decision, first degree" 24/05/2019
  • Sp. 229
    • National ID: Sp. 229
    • Common Name: Applicant - The Director of Consumer Affairs
    • Directive Part: ANNEX I, 1. Article 3, 3. Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: Thu Dec 20 00:00:00 CET 2001
Sp. 229 Applicant - The Director of Consumer Affairs ANNEX I, 1. Article 3, 3. Article 3, 1. Article 2" Other" 20/12/2001
  • [2006] IEHC 271
    • National ID: [2006] IEHC 271
    • Common Name: Marshall v Capital Holdings
    • Directive Part: ANNEX I, 1. Article 3, 3.
    • Decision type: Other
    • Decision date: Wed Jul 26 00:00:00 CEST 2006
[2006] IEHC 271 Marshall v Capital Holdings ANNEX I, 1. Article 3, 3." Other" 26/07/2006
  • [2014] IEHC 330
    • National ID: [2014] IEHC 330
    • Common Name: N/A
    • Directive Part: Article 2, (b)
    • Decision type: Other
    • Decision date: Fri May 09 00:00:00 CEST 2014
[2014] IEHC 330 N/A Article 2, (b)" Other" 09/05/2014
  • [2016] IEHC 385
    • National ID: [2016] IEHC 385
    • Common Name: N/A
    • Directive Part: link
    • Decision type: Other
    • Decision date: Mon Jul 06 00:00:00 CEST 2015
[2016] IEHC 385 N/A link" Other" 06/07/2015
  • [2015] IEHC 547
    • National ID: [2015] IEHC 547
    • Common Name: link
    • Directive Part: link
    • Decision type: Other
    • Decision date: Thu Aug 13 00:00:00 CEST 2015
[2015] IEHC 547 link link" Other" 13/08/2015
  • [2016] IEHC 320
    • National ID: [2016] IEHC 320
    • Common Name: N/A
    • Directive Part: Article 3, 1.
    • Decision type: Other
    • Decision date: Tue Jun 14 00:00:00 CEST 2016
[2016] IEHC 320 N/A Article 3, 1." Other" 14/06/2016
  • High Court, Judgment 599
    • National ID: High Court, Judgment 599
    • Common Name: Allied Irish Banks plc -v- O'Donohoe & anor
    • Directive Part: Article 4 link
    • Decision type: Supreme court decision
    • Decision date: Tue Jun 26 00:00:00 CEST 2018
High Court, Judgment 599 Allied Irish Banks plc -v- O'Donohoe & anor Article 4 link" Supreme court decision" 26/06/2018
  • Supreme Court, Judgement [2020] IESC 2
    • National ID: Supreme Court, Judgement [2020] IESC 2
    • Common Name: Pepper Finance Corporation (Ireland) DAC v. Brian Cannon and Christina Cannon
    • Directive Part: Article 6 Article 4 ANNEX I, 1., (e) Article 3 ANNEX I, 1., (j)
    • Decision type: Supreme court decision
    • Decision date: Tue Feb 04 00:00:00 CET 2020
Supreme Court, Judgement [2020] IESC 2 Pepper Finance Corporation (Ireland) DAC v. Brian Cannon and Christina Cannon Article 6 Article 4 ANNEX I, 1., (e) Article 3 ANNEX I, 1., (j)" Supreme court decision" 04/02/2020
  • Supreme Court, Judgement [2020] IESC 2
    • National ID: Supreme Court, Judgement [2020] IESC 2
    • Common Name: Pepper Finance Corporation (Ireland) DAC v. Brian Cannon and Christina Cannon
    • Directive Part: Article 6 Article 4 ANNEX I, 1., (e) Article 3 ANNEX I, 1., (j)
    • Decision type: Supreme court decision
    • Decision date: Tue Feb 04 00:00:00 CET 2020
Supreme Court, Judgement [2020] IESC 2 Pepper Finance Corporation (Ireland) DAC v. Brian Cannon and Christina Cannon Article 6 Article 4 ANNEX I, 1., (e) Article 3 ANNEX I, 1., (j)" Supreme court decision" 04/02/2020

Legal Literature

"The Treatment of Acceleration Clauses in Consumer Contracts in Ireland". Commercial Law Practitioner. Vol 28(6). pp.103-109 "The Treatment of Acceleration Clauses in Consumer Contracts in Ireland" BREDIN, K 01/01/1970
October (2019) Law Society Gazette, pp.22-23 A stitch in time. BARRET, M 01/01/1970
1998, p. 701, publisher: Round Hall Consumer Credit Law Timothy C Bird 01/01/1970
Commercial Law Practitioner. Vol 27. Pp. 168-176 Consumer Protection and Loan Transactions - recent case law BRESLIN, J. 01/01/1970
2008, 6, p. 248-261, Dublin, publisher: Thomson Round Hall Contract Law in Ireland Robert Clark 01/01/1970
Commercial Law Practitioner, 2010, pages 107-113, nr. 17(6) Loan Contracts and the Unfair Terms Regulations Mary Donnelly 01/01/1970
Law Society Gazette, 2002 Safe as Houses Patrick Dorgan 01/01/1970
  • The Bar Review 24(5), pp.144-147
The Bar Review 24(5), pp.144-147 The plight of the consumer in the Irish Courts. BREDIN, K. 01/01/1970
  • Irish Law Times, 1995, p. 156
    • Reference: Irish Law Times, 1995, p. 156
    • Title: The Unfair Contract Terms Regulations 1995: A red card for the State
    • Author: Finbarr Murphy
    • Publication Year: 1995
Irish Law Times, 1995, p. 156 The Unfair Contract Terms Regulations 1995: A red card for the State Finbarr Murphy 01/01/1970
  • Commercial Law Practitioner, 1995, p. 118
Commercial Law Practitioner, 1995, p. 118 The Unfair Terms in Consumer Contracts Regulations – a standard form constitutional crisis Tom Carney 01/01/1970
Commercial Law Practitioner. Vol 27. Pp. 74-83 The UTCD in the Courts: a New Locus in Policing Unfair Terms DONNELLY, M. 01/01/1970
Commercial Law Practitioner, 1995, p. 51 Unfair Terms in Consumer Contracts Special Correspondent 01/01/1970
Commercial Law Practitioner, nº 24, pp. 66-67 Unfair Terms in Consumer Contracts Regulations 1995 – Consumer Credit Act 1995 DONNELLY, M. 01/01/1970
Commercial Law Practitioner, nº 24, pp. 71-76. Unfair Terms in Consumer Loan Contracts MARTIN, E. 01/01/1970
  • Bar Review
    • Reference: Bar Review
    • Title: What makes a term in a standard form contract unfair
    • Author: John Breslin
    • Publication Year: Unknown
Bar Review What makes a term in a standard form contract unfair John Breslin 01/01/1970

Other material

Guide to Unfair Terms in Contracts Competition and Consumer Protection Commission
Consumer Protection Guidelines for Mobile Phone Traders: Practical Guidance for Traders concerning consumer protection legislation applicable to the sale and supply of mobile phones. (November, 2017) Competition and Consumer Protection Commission (CCPC)
Scheme of Consumer Rights Bill 2021, and associated Consultation Department of Enterprise, Trade and Employment
Consumer Rights Bill 2022, and associated Memorandum Department of Enterprise, Trade and Employment
Report (LRC 113 - 2015) Consumer insurance contracts Law Reform Commission
Guidelines for Contracts of Care in Nursing Homes The Competition and Consumer Protection Commission
Guidelines on Unfair Terms in Consumer Contracts - identifying and avoiding the use of unfair terms in consumer contracts (June 2020) The Competition and Consumer Protection Commission.