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The competition and consumer protection commission is an independent statutory body that enforces competition and consumer protection law in ireland. In this briefing, we outline the key aspects of consumer protection law in ireland and the growing enforcement activities of the main irish regulator, the competition and consumer protection commission (the ‘ccpc’). European commission guidance on the implementation/application of the unfair commercial practices directive.
One of the requirements is that financial institutions must prominently display annual percentage rates (apr) and notify the director of all customer charges, or adjustments to these fees. Schedule 1 of the competition act, 2002 specifies the statutory bodies who are required to enter into cooperation agreements with the competition authority as provided for in section 34 of the act. Under the act, traders who mislead consumers could face on the spot fines of up to €60,000 or 18 months in jail
Those involved in pyramid selling schemes face penalties of up to €150,000 and five years’ imprisonment.
Following a comprehensive review of the consumer protection code, central bank of ireland has published a revised consumer protection code. At its discretion, to refer cases to the director of public prosecutions where the agency has reasonable grounds for believing that an indictable offence under any of the relevant statutory provisions has been committed. (1) a commercial practice is misleading if the trader omits or conceals material information that the average consumer would need, in the context, to make an informed transactional decision (“material information”) and such practice would be likely to cause the average consumer to make a transactional decision that the average consumer.
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