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Consumer Credit Contract

Consumer Credit Contract Template for Ireland

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Key Requirements PROMPT example:

Consumer Credit Contract

"I need a Consumer Credit Contract for our Irish retail business that will offer installment payments for purchases over €1,000, with a maximum term of 24 months and the option for early repayment without penalties, to be launched in March 2025."

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Document background
The Consumer Credit Contract is a fundamental document used in Irish consumer lending transactions, essential for any business providing credit to consumers in Ireland. It must comply with the Consumer Credit Act 1995, EU Consumer Credit Directive requirements, and the Consumer Protection Code 2012. This agreement is used when providing various forms of consumer credit, including personal loans, retail credit, and installment plans. The document includes mandatory information such as APR calculations, comprehensive fee structures, consumer rights (including the right of withdrawal), data protection provisions, and complaint procedures. It reflects the robust consumer protection framework in Ireland and must be regularly updated to align with evolving regulatory requirements and Central Bank of Ireland guidelines.
Suggested Sections

1. Parties: Identifies the credit provider and the consumer, including their full legal names and addresses

2. Background: Explains the context of the agreement and confirms the consumer's request for credit facilities

3. Definitions: Defines key terms used throughout the agreement, including financial and technical terms

4. Credit Amount and Purpose: Specifies the total amount of credit being provided and its intended purpose

5. Financial Terms: Details the APR, interest rate, total amount payable, and any applicable fees or charges

6. Repayment Terms: Specifies the repayment schedule, installment amounts, and duration of the agreement

7. Rights of Withdrawal: Explains the consumer's 14-day right of withdrawal under EU regulations

8. Events of Default: Defines what constitutes a default and the consequences thereof

9. Consumer Protections: Outlines the consumer's statutory rights and protections

10. Data Protection: Explains how the consumer's personal data will be processed and protected

11. Notices: Specifies how formal communications between parties should be made

12. Governing Law: Confirms Irish law as governing law and jurisdiction

Optional Sections

1. Security: Required when the credit agreement is secured against assets or requires guarantors

2. Insurance Requirements: Included when specific insurance coverage is required as part of the credit agreement

3. Early Repayment: Details of early repayment options and any associated fees, if offered

4. Variable Rate Provisions: Required for variable rate credit agreements, explaining how and when rates may change

5. Additional Drawdown Facilities: Included for revolving credit facilities or where multiple drawdowns are permitted

6. Connected Services: Required when the credit is tied to specific products or services

7. Distance Marketing: Required for credit agreements concluded at a distance or online

Suggested Schedules

1. Schedule 1 - Financial Information: Detailed breakdown of all financial calculations, including APR calculation method

2. Schedule 2 - Repayment Schedule: Detailed amortization table showing all scheduled payments

3. Schedule 3 - Fees and Charges: Comprehensive list of all applicable fees and charges

4. Schedule 4 - Standard European Consumer Credit Information: Standardized EU form providing pre-contractual information

5. Appendix A - Direct Debit Mandate: Form for setting up automatic payments

6. Appendix B - Complaints Procedure: Details of the credit provider's complaints handling process

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions

































Clauses



























Relevant Industries

Financial Services

Banking

Retail

Consumer Finance

Motor Industry

Home Improvement

Electronics and Technology Retail

Furniture and Home Furnishings

E-commerce

Relevant Teams

Legal

Compliance

Risk Management

Credit Operations

Customer Service

Sales

Product Development

Regulatory Affairs

Finance

Operations

Consumer Protection

Documentation

Relevant Roles

Credit Manager

Compliance Officer

Legal Counsel

Risk Manager

Consumer Credit Underwriter

Retail Finance Manager

Consumer Protection Officer

Financial Services Director

Credit Risk Analyst

Customer Service Manager

Operations Manager

Sales Director

Product Manager - Consumer Finance

Regulatory Affairs Manager

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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