Consumer Credit (Amendment) Bill 2022

What this bill doesAI · claude-haiku-4-5-20251001

• Minister for Finance gains power to set maximum interest rate caps on high-cost credit loans through regulations, subject to specified ceilings and Central Bank consultation.
• Licensing period extends from one to five years; providers no longer need separate District Court area registrations; online repayment books permitted.
• Home collection charges abolished; cash loans capped at 52-week term; terminology changed from 'moneylender' to 'high cost credit provider' throughout Act.

Stage timelineWhat do these stages mean?

1. First Stage33rd Dáil

   7 Mar 2022
2. Second Stage33rd Dáil

   10 Mar 2022
3. Committee Stage33rd Dáil

   10 Mar 2022
4. Report Stage33rd Dáil

   11 May 2022
5. Second Stage26th Seanad

   24 May 2022
6. Fifth Stage33rd Dáil

   25 May 2022
7. Committee Stage26th Seanad

   1 Jun 2022
8. Fifth Stage26th Seanad

   22 Jun 2022
9. Report Stage26th Seanad

   22 Jun 2022
10. Enacted

    29 Jun 2022

Debates

• Committee and Remaining Stages22 Jun 2022↗
• Second Stage1 Jun 2022↗
• Report and Final Stages25 May 2022↗
• Second Stage10 Mar 2022↗

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