Pan-European Pension Product Provider | Central Bank of Ireland

<!DOCTYPE html> <html id="htmlElement" xmlns="http://www.w3.org/1999/xhtml" lang="en"> <head>  <script type="text/javascript" src="https://cdn.cookielaw.org/consent/01926dd3-236b-7534-88ac-fc26a707b641/OtAutoBlock.js"></script> <script src="https://cdn.cookielaw.org/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="01926dd3-236b-7534-88ac-fc26a707b641"></script> <script type="text/javascript"> delete_cookie(); var now = new Date(); now.setTime(now.getTime() + 1 * 3600 * 1000 * 24 * 365); function delete_cookie() { document.cookie = "OptanonAlertBoxClosed=; path=/; domain=.www.centralbank.ie; expires=Thu, 01 Jan 1970 00:00:01 GMT"; document.cookie = "OptanonConsent=; path=/; domain=.www.centralbank.ie; expires=Thu, 01 Jan 1970 00:00:01 GMT"; } function cookieExists(cookieName) { var value = '; ' + document.cookie; var parts = value.split('; ' + cookieName + '='); if (parts.length == 2) { return true; } } function OptanonWrapper() { //Start - Change Optanon Cookie Expiry var bannerAcceptButton = document.getElementById("onetrust-accept-btn-handler"); var pcAllowAllButton = document.getElementById("accept-recommended-btn-handler"); var pcCloseButton = document.getElementById("close-pc-btn-handler"); var pcSaveButton = document.getElementsByClassName("save-preference-btn-handler")[0]; //Allowed all via Banner if (bannerAcceptButton) { bannerAcceptButton.addEventListener('click', function () { CookieSettingsUpdated(); }); } //Allowed all via Preference Center if (pcAllowAllButton) { pcAllowAllButton.addEventListener('click', function () { CookieSettingsUpdated(); }); } //Set custom settings via Preference Center if (pcCloseButton) { pcCloseButton.addEventListener('click', function () { CookieSettingsUpdated(); }); } //Set custom settings via Preference Center if (pcSaveButton) { pcSaveButton.addEventListener('click', function () { CookieSettingsUpdated(); }); } } function CookieSettingsUpdated() { setTimeout(function () { toggle_iFrames(); }, 300); } function optanonCategoryEnabled(name, cat) { var value = "; " + document.cookie; var parts = value.split("; " + name + "="); if (parts.length == 2) { var cookieValue = parts.pop().split(";").shift(); var cookieDetails = cookieValue.split('&'); for (i = 0; i < cookieDetails.length; i++) { var details = cookieDetails[i].split("="); if (details[0] == "groups") { var categories = decodeURIComponent(details[1]).split(","); for (c = 0; c < categories.length; c++) { var category = categories[c].split(":"); if (category[0] == cat && category[1] == "1") { return true } } } } } return false; } </script>   <script>(function (w, d, s, l, i) { w[l] = w[l] || []; w[l].push({ 'gtm.start': new Date().getTime(), event: 'gtm.js' }); var f = d.getElementsByTagName(s)[0], j = d.createElement(s), dl = l != 'dataLayer' ? '&l=' + l : ''; j.async = true; j.src = 'https://www.googletagmanager.com/gtm.js?id=' + i + dl; f.parentNode.insertBefore(j, f); })(window, document, 'script', 'dataLayer', 'GTM-M4KRX7C');</script>  <title> Pan-European Pension Product Provider | Central Bank of Ireland </title><meta charset="UTF-8" /><meta http-equiv="X-UA-Compatible" content="IE=Edge" /><meta name="format-detection" content="telephone=no" /><meta name="viewport" content="width=device-width, maximum-scale=2" /> <link href="https://fonts.googleapis.com/css?family=Lato:400,400i,700,700i,900" rel="stylesheet" /> <link href="../../Theme/css/gulp_default.min.css?v=1732711194902" rel="stylesheet" /> <link href="../../Theme/css/imgs/favicon.ico" type="image/png" rel="icon" /> <link href="https://customer.cludo.com/assets/3127/13322/css/css.css" rel="stylesheet"> <link href="https://customer.cludo.com/assets/3127/13322/cludo-search.min.css" type="text/css" rel="stylesheet"> <script> /*! * enquire.js v2.1.2 - Awesome Media Queries in JavaScript * Copyright (c) 2014 Nick Williams - http://wicky.nillia.ms/enquire.js * License: MIT (http://www.opensource.org/licenses/mit-license.php) */ !function (a, b, c) { var d = window.matchMedia; "undefined" != typeof module && module.exports ? module.exports = c(d) : "function" == typeof define && define.amd ? define(function () { return b[a] = c(d) }) : b[a] = c(d) }("enquire", this, function (a) { "use strict"; function b(a, b) { var c, d = 0, e = a.length; for (d; e > d && (c = b(a[d], d), c !== !1); d++); } function c(a) { return "[object Array]" === Object.prototype.toString.apply(a) } function d(a) { return "function" == typeof a } function e(a) { this.options = a, !a.deferSetup && this.setup() } function f(b, c) { this.query = b, this.isUnconditional = c, this.handlers = [], this.mql = a(b); var d = this; this.listener = function (a) { d.mql = a, d.assess() }, this.mql.addListener(this.listener) } function g() { if (!a) throw new Error("matchMedia not present, legacy browsers require a polyfill"); this.queries = {}, this.browserIsIncapable = !a("only all").matches } return e.prototype = { setup: function () { this.options.setup && this.options.setup(), this.initialised = !0 }, on: function () { !this.initialised && this.setup(), this.options.match && this.options.match() }, off: function () { this.options.unmatch && this.options.unmatch() }, destroy: function () { this.options.destroy ? this.options.destroy() : this.off() }, equals: function (a) { return this.options === a || this.options.match === a } }, f.prototype = { addHandler: function (a) { var b = new e(a); this.handlers.push(b), this.matches() && b.on() }, removeHandler: function (a) { var c = this.handlers; b(c, function (b, d) { return b.equals(a) ? (b.destroy(), !c.splice(d, 1)) : void 0 }) }, matches: function () { return this.mql.matches || this.isUnconditional }, clear: function () { b(this.handlers, function (a) { a.destroy() }), this.mql.removeListener(this.listener), this.handlers.length = 0 }, assess: function () { var a = this.matches() ? "on" : "off"; b(this.handlers, function (b) { b[a]() }) } }, g.prototype = { register: function (a, e, g) { var h = this.queries, i = g && this.browserIsIncapable; return h[a] || (h[a] = new f(a, i)), d(e) && (e = { match: e }), c(e) || (e = [e]), b(e, function (b) { d(b) && (b = { match: b }), h[a].addHandler(b) }), this }, unregister: function (a, b) { var c = this.queries[a]; return c && (b ? c.removeHandler(b) : (c.clear(), delete this.queries[a])), this } }, new g }); </script> <script type="text/javascript" src="https://customer.cludo.com/scripts/bundles/search-script.min.js"></script> <link rel="canonical" href="https://www.centralbank.ie/regulation/industry-market-sectors/pepp-provider" /><link href="/Telerik.Web.UI.WebResource.axd?d=PMrIT5dOWaVYIcpFWUE4nLMondQKT06rXaYKkrkmgIA8U6HILVhpXLNRyzM-lIWJ8BX-z660YcQRxI2gOMva4XEE0eho4ecSkzb-HevxJ3gtKU39f0z9ObqAiNMy_AcI0&t=638610871964891277&compress=0&_TSM_CombinedScripts_=%3b%3bTelerik.Sitefinity.Resources%2c+Version%3d14.4.8133.0%2c+Culture%3dneutral%2c+PublicKeyToken%3db28c218413bdf563%3aen%3a17c135a4-5316-42f9-a0e3-877e0602d8a4%3a7a90d6a" type="text/css" rel="stylesheet" /><meta name="description" content="To provide information to firms considering applying for registration of a PEPP." /></head> <body id="sBody">  <noscript> <iframe src="https://www.googletagmanager.com/ns.html?id=GTM-M4KRX7C" height="0" width="0" style="display: none; visibility: hidden"></iframe> </noscript>  <form method="post" action="./pepp-provider" id="form1"> <div class="aspNetHidden"> <input type="hidden" name="ctl07_TSM" id="ctl07_TSM" value="" /> <input type="hidden" name="ctl08_TSSM" id="ctl08_TSSM" value="" /> <input type="hidden" name="__EVENTTARGET" id="__EVENTTARGET" value="" /> <input type="hidden" name="__EVENTARGUMENT" id="__EVENTARGUMENT" value="" /> <input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE" value="7UolxucGncVBsxpLPXD6Dhez+Yv0ivtrccJZ0+4z2VxW4OzT4QWBFUb3laOzyJ04l1hABA4ZWIG33BNWU8T6eRsl9Lw++KVfBoq1XezaBjI=" /> </div> <script type="text/javascript"> //<![CDATA[ var theForm = document.forms['form1']; if (!theForm) { theForm = document.form1; } function __doPostBack(eventTarget, eventArgument) { if (!theForm.onsubmit || (theForm.onsubmit() != false)) { theForm.__EVENTTARGET.value = eventTarget; theForm.__EVENTARGUMENT.value = eventArgument; theForm.submit(); } } //]]> </script> <script src="/WebResource.axd?d=pynGkmcFUV13He1Qd6_TZPPxXRrJGOukUEKupRpxuah9Q4yUtOxsQ1ZMK1zg6X59kCpscrumAhTOCaAWulRqug2&t=638610871965203766" type="text/javascript"></script> <script type="text/javascript"> //<![CDATA[ var __cultureInfo = {"name":"en","numberFormat":{"CurrencyDecimalDigits":2,"CurrencyDecimalSeparator":".","IsReadOnly":true,"CurrencyGroupSizes":[3],"NumberGroupSizes":[3],"PercentGroupSizes":[3],"CurrencyGroupSeparator":",","CurrencySymbol":"$","NaNSymbol":"NaN","CurrencyNegativePattern":0,"NumberNegativePattern":1,"PercentPositivePattern":0,"PercentNegativePattern":0,"NegativeInfinitySymbol":"-∞","NegativeSign":"-","NumberDecimalDigits":2,"NumberDecimalSeparator":".","NumberGroupSeparator":",","CurrencyPositivePattern":0,"PositiveInfinitySymbol":"∞","PositiveSign":"+","PercentDecimalDigits":2,"PercentDecimalSeparator":".","PercentGroupSeparator":",","PercentSymbol":"%","PerMilleSymbol":"‰","NativeDigits":["0","1","2","3","4","5","6","7","8","9"],"DigitSubstitution":1},"dateTimeFormat":{"AMDesignator":"AM","Calendar":{"MinSupportedDateTime":"\/Date(-62135596800000)\/","MaxSupportedDateTime":"\/Date(253402300799999)\/","AlgorithmType":1,"CalendarType":1,"Eras":[1],"TwoDigitYearMax":2029,"IsReadOnly":true},"DateSeparator":"/","FirstDayOfWeek":0,"CalendarWeekRule":0,"FullDateTimePattern":"dddd, MMMM d, yyyy h:mm:ss tt","LongDatePattern":"dddd, MMMM d, yyyy","LongTimePattern":"h:mm:ss tt","MonthDayPattern":"MMMM d","PMDesignator":"PM","RFC1123Pattern":"ddd, dd MMM yyyy HH\u0027:\u0027mm\u0027:\u0027ss \u0027GMT\u0027","ShortDatePattern":"M/d/yyyy","ShortTimePattern":"h:mm tt","SortableDateTimePattern":"yyyy\u0027-\u0027MM\u0027-\u0027dd\u0027T\u0027HH\u0027:\u0027mm\u0027:\u0027ss","TimeSeparator":":","UniversalSortableDateTimePattern":"yyyy\u0027-\u0027MM\u0027-\u0027dd HH\u0027:\u0027mm\u0027:\u0027ss\u0027Z\u0027","YearMonthPattern":"MMMM yyyy","AbbreviatedDayNames":["Sun","Mon","Tue","Wed","Thu","Fri","Sat"],"ShortestDayNames":["Su","Mo","Tu","We","Th","Fr","Sa"],"DayNames":["Sunday","Monday","Tuesday","Wednesday","Thursday","Friday","Saturday"],"AbbreviatedMonthNames":["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec",""],"MonthNames":["January","February","March","April","May","June","July","August","September","October","November","December",""],"IsReadOnly":true,"NativeCalendarName":"Gregorian Calendar","AbbreviatedMonthGenitiveNames":["Jan","Feb","Mar","Apr","May","Jun","Jul","Aug","Sep","Oct","Nov","Dec",""],"MonthGenitiveNames":["January","February","March","April","May","June","July","August","September","October","November","December",""]},"eras":[1,"A.D.",null,0]};//]]> </script> <script src="/Telerik.Web.UI.WebResource.axd?_TSM_HiddenField_=ctl07_TSM&compress=0&_TSM_CombinedScripts_=%3b%3bSystem.Web.Extensions%2c+Version%3d4.0.0.0%2c+Culture%3dneutral%2c+PublicKeyToken%3d31bf3856ad364e35%3aen%3adbd37df5-a986-4b30-bc8e-23832b2677dd%3aea597d4b%3ab25378d2" type="text/javascript"></script> <script type="text/javascript"> //<![CDATA[ if (typeof(Sys) === 'undefined') throw new Error('ASP.NET Ajax client-side framework failed to load.'); //]]> </script> <div class="aspNetHidden"> <input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="B79C9AB8" /> </div><script type="text/javascript"> //<![CDATA[ Sys.WebForms.PageRequestManager._initialize('ctl00$ctl07', 'form1', [], [], [], 90, 'ctl00'); //]]> </script> <input type="hidden" name="ctl00$ctl07" id="ctl07" /> <script type="text/javascript"> //<![CDATA[ Sys.Application.setServerId("ctl07", "ctl00$ctl07"); Sys.Application._enableHistoryInScriptManager(); //]]> </script> <script type="text/javascript"> var els = document.querySelectorAll('link[href^="/Telerik.Web.UI.WebResource.axd"]'); els[0].parentNode.removeChild(els[0]); </script> <noscript> <div class="js-notification"> <div class="container"> <p> <span class="fa fa-info-circle"></span>It appears JavaScript is disabled. To get the most out of the website we recommend enabling JavaScript in your browser. </p> <a href="#" class="close-notification"><span class="fa fa-times"></span><span class="sr-only">Close</span></a> </div> </div> </noscript> <header id="cbi_header"> <div class="container"> <div class="row"> <div class="col-sm-3"> <a href="/home"> <img loading="lazy" src="/images/default-source/logos/logo.png?sfvrsn=3dff671a_1" title="logo" alt="Central Bank homepage" /> </a> <span id="toggleMenu" class="hidden-sm hidden-md hidden-lg "><i class="glyphicon glyphicon-remove"></i><i class="glyphicon glyphicon-menu-hamburger"></i>Menu</span> </div> <nav id="plhMenus_TAFC558EA054_megaMenu" class="sf_colsIn col-sm-9 cls-megamenu-nav" aria-labelledby="gnsheading" data-placeholder-label="Menus"> <h2 class="sr-only" id="gnsheading">Main menu</h2> <div id="tns"> <ul> <li class=""><a href="/" target="_self">Home</a></li> <li class=""><a href="/about" target="_self">About</a></li> <li class=""><a href="/news-media" target="_self">News & Media</a></li> <li class=""><a href="/events" target="_self">Events</a></li> <li class=""><a href="/careers" target="_self">Careers</a></li> <li class=""><a href="/contact-us" target="_self">Contact</a></li> <li> <a href="/ga/home">GAEILGE</a> </li> <li class="inner-addon right-addon active"> <label for="megaMenuSearchBox" class="sr-only">Search</label> <i class="glyphicon glyphicon-search"></i> <div id="cludo-search-form-top"> <input type="text" class="form-control search-input" placeholder="SEARCH" name="megaMenuSearchBox" id="megaMenuSearchBox"> <button type="submit" class="search-button" id="search-button" aria-label="search button"></button> </div> </li> </ul> </div> <ul class="mega-menu" aria-label="Main menu"> <li> <a id="item-financial-system" class="" href="#" aria-haspopup="true"><span>Financial System</span></a> <div class="grey-box"> <div class="container"> <div class="navbtn row hidden-sm hidden-md hidden-lg"> <div class="col-xs-4"> <a href="#" class="btn btn-dark-blue button-text-small"> <span class="glyphicon glyphicon-chevron-left"></span>Back </a> </div> <div class="col-xs-8"> <p class="title">ACS</p> </div> </div> <div class="row heading-bar"> <div class="col-sm-6">Financial System</div> <div class="col-sm-6"></div> </div> <div class="row"> <div class="col-sm-3 first"> <p>How we identify risk and take actions to ensure financial stability.</p> <p><a href="/financial-system" class="btn-reg">Financial System Overview</a></p><hr><ul><li><a href="/consumer-hub/notes-and-coins/exchange-old-or-damaged-money">Money, notes and coins</a></li><li><a href="/financial-system/financial-stability/macro-prudential-policy">Macroprudential Policy</a></li><li><a href="/macro-prudential-policies-for-bank-capital/countercyclical-capital-buffer">Countercyclical Capital Buffer</a></li></ul> </div> <div class="col-sm-9 sub-menu "> <ul role="menu" aria-label="second level menu"> <li class=""> <a tabindex="0" href="/financial-system" aria-haspopup="false">Financial System Overview</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Financial Stability</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/financial-system/financial-stability" aria-haspopup="false">Financial Stability Overview</a> </li> <li> <a tabindex="0" href="/financial-system/financial-stability/macro-prudential-policy" aria-haspopup="true">Macroprudential Policy </a> </li> <li> <a tabindex="0" href="/financial-system/financial-stability/financial-stability-research" aria-haspopup="true">Financial Stability Research</a> </li> <li> <a tabindex="0" href="/financial-system/financial-stability/risks-for-financial-stability" aria-haspopup="true">Risks for Financial Stability</a> </li> <li> <a tabindex="0" href="/financial-system/financial-stability/market-based-finance-monitor" aria-haspopup="true">Market Based Finance Monitor</a> </li> <li> <a tabindex="0" href="/financial-system/financial-stability/financial-stability-committee" aria-haspopup="true">Financial Stability Committee </a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Payments and Securities Settlements</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/financial-system/payments-and-securities-settlements" aria-haspopup="false">Payments and Securities Settlements Overview</a> </li> <li> <a tabindex="0" href="/financial-system/payments-and-securities-settlements/catalyst" aria-haspopup="true">Catalyst </a> </li> <li> <a tabindex="0" href="/financial-system/payments-and-securities-settlements/national-competent-authority" aria-haspopup="true">National Competent Authority</a> </li> <li> <a tabindex="0" href="/financial-system/payments-and-securities-settlements/national-stakeholder-groups" aria-haspopup="true">National Stakeholder Groups </a> </li> <li> <a tabindex="0" href="/financial-system/payments-and-securities-settlements/oversight" aria-haspopup="true">Oversight</a> </li> <li> <a tabindex="0" href="/financial-system/payments-and-securities-settlements/target-services" aria-haspopup="true">TARGET Services</a> </li> <li> <a tabindex="0" href="/financial-system/payments-and-securities-settlements/payment-system-approval-process" aria-haspopup="true">Payments Systems Approval Process</a> </li> <li> <a tabindex="0" href="/financial-system/payments-and-securities-settlements/single-european-payments-overview" aria-haspopup="true">Single European Payments Area</a> </li> <li> <a tabindex="0" href="/financial-system/payments-and-securities-settlements/irish-retail-payments-forum" aria-haspopup="true">Irish Retail Payments Forum</a> </li> </ul> </li> <li> <a tabindex="0" href="/financial-system/resolution" aria-haspopup="true">Resolution </a> </li> <li> <a tabindex="0" href="/financial-system/foreign-exchange-global-code-of-conduct" aria-haspopup="true">Foreign Exchange Global Code of Conduct</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Operational Resilience and Cyber</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/financial-system/operational-resilience-and-cyber" aria-haspopup="false">Operational Resilience and Cyber Overview</a> </li> <li> <a tabindex="0" href="/financial-system/operational-resilience-and-cyber/operational-resilience" aria-haspopup="true">Operational Resilience </a> </li> <li> <a tabindex="0" href="/financial-system/operational-resilience-and-cyber/cyber-resilience" aria-haspopup="true">Cyber Resilience</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Climate Change </a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/financial-system/climate-change" aria-haspopup="false">Climate Change  Overview</a> </li> <li> <a tabindex="0" href="/financial-system/climate-change/economic-and-financial-interlinkages" aria-haspopup="true">Economic and Financial Interlinkages</a> </li> <li> <a tabindex="0" href="/financial-system/climate-change/financial-regulation-and-supervision" aria-haspopup="true">Financial Regulation and Supervision</a> </li> <li> <a tabindex="0" href="/financial-system/climate-change/international-engagement" aria-haspopup="true">International Engagement </a> </li> <li> <a tabindex="0" href="/financial-system/climate-change/the-central-bank-and-sustainability" aria-haspopup="true">The Central Bank and Sustainability</a> </li> </ul> </li> <li> <a tabindex="0" href="/financial-system/a-digital-euro" aria-haspopup="true">A Digital Euro</a> </li> </ul> </div> </div> <a href="#" class="close-megamenu">Close <span class="fa fa-times"></span></a> </div> </div> </li> <li> <a id="item-monetary-policy" class="" href="#" aria-haspopup="true"><span>Monetary Policy</span></a> <div class="grey-box"> <div class="container"> <div class="navbtn row hidden-sm hidden-md hidden-lg"> <div class="col-xs-4"> <a href="#" class="btn btn-dark-blue button-text-small"> <span class="glyphicon glyphicon-chevron-left"></span>Back </a> </div> <div class="col-xs-8"> <p class="title">ACS</p> </div> </div> <div class="row heading-bar"> <div class="col-sm-6">Monetary Policy</div> <div class="col-sm-6"></div> </div> <div class="row"> <div class="col-sm-3 first"> <p>Maintaining price stability as part of the Eurosystem.</p> <p><a href="/monetary-policy" class="btn-reg">Monetary Policy Overview</a></p><hr> </div> <div class="col-sm-9 sub-menu "> <ul role="menu" aria-label="second level menu"> <li class=""> <a tabindex="0" href="/monetary-policy" aria-haspopup="false">Monetary Policy Overview</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Policy Setting</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/monetary-policy/policy-setting" aria-haspopup="false">Policy Setting Overview</a> </li> <li> <a tabindex="0" href="/monetary-policy/policy-setting/monetary-policy-role" aria-haspopup="true">Monetary Policy Role</a> </li> <li> <a tabindex="0" href="/monetary-policy/policy-setting/ecb-governing-council-and-monetary-policy-decisions" aria-haspopup="true">ECB Governing Council and Monetary Policy Decisions</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Policy Implementation</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/monetary-policy/policy-implementation" aria-haspopup="false">Policy Implementation Overview</a> </li> <li> <a tabindex="0" href="/monetary-policy/policy-implementation/open-market-operations" aria-haspopup="true">Open Market Operations</a> </li> <li> <a tabindex="0" href="/monetary-policy/policy-implementation/standing-facilities" aria-haspopup="true">Standing Facilities</a> </li> <li> <a tabindex="0" href="/monetary-policy/policy-implementation/counter-party-eligibility" aria-haspopup="true">Counterparty Eligibility </a> </li> <li> <a tabindex="0" href="/monetary-policy/policy-implementation/legal-documentation" aria-haspopup="true">Legal Documentation</a> </li> <li> <a tabindex="0" href="/monetary-policy/policy-implementation/collateral-framework" aria-haspopup="true">Collateral Framework</a> </li> <li> <a tabindex="0" href="/monetary-policy/policy-implementation/asset-purchase-programmes" aria-haspopup="true">Asset Purchase Programmes</a> </li> <li> <a tabindex="0" href="/monetary-policy/policy-implementation/collateral-management-provision-of-liquidity-to-banks" aria-haspopup="true">Collateral Management & Provision of Liquidity to Banks </a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Management of Investment Assets</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/monetary-policy/management-of-investment-assets" aria-haspopup="false">Management of Investment Assets Overview</a> </li> <li> <a tabindex="0" href="/monetary-policy/management-of-investment-assets/bank's-investment-assets" aria-haspopup="true">Central Bank's Investment Assets</a> </li> <li> <a tabindex="0" href="/monetary-policy/management-of-investment-assets/ecb-pooled-reserves" aria-haspopup="true">ECB’s US Dollar Reserve Assets</a> </li> </ul> </li> <li> <a tabindex="0" href="/monetary-policy/risk-management" aria-haspopup="true">Risk Management</a> </li> <li> <a tabindex="0" href="/monetary-policy/european-central-bank-strategy-review" aria-haspopup="true">European Central Bank Strategy Review </a> </li> </ul> </div> </div> <a href="#" class="close-megamenu">Close <span class="fa fa-times"></span></a> </div> </div> </li> <li> <a id="item-regulation" class="active" href="#" aria-haspopup="true"><span>Regulation</span></a> <div class="grey-box"> <div class="container"> <div class="navbtn row hidden-sm hidden-md hidden-lg"> <div class="col-xs-4"> <a href="#" class="btn btn-dark-blue button-text-small"> <span class="glyphicon glyphicon-chevron-left"></span>Back </a> </div> <div class="col-xs-8"> <p class="title">ACS</p> </div> </div> <div class="row heading-bar"> <div class="col-sm-6">Regulation</div> <div class="col-sm-6"></div> </div> <div class="row"> <div class="col-sm-3 first"> <p>How we regulate financial services in Ireland. </p> <p><a href="/regulation" class="btn-reg">Regulation Overview</a></p><hr><ul><li><a href="/regulation/how-we-regulate/international-financial-sanctions/EU-restrictive-measures-relating-to-actions-in-Ukraine">Changes to the Russia/Ukraine Regulations</a></li><li><a href="/regulation/how-we-regulate/fitness-probity">Fitness and Probity</a></li><li><a href="/regulation/innovation-hub" title="Innovation Hub">Innovation Hub</a></li><li><a href="https://portal.centralbank.ie/" title="This link will open in a new tab or window" target="_blank" rel="noopener" data-sf-ec-immutable="">Log in to Central Bank Portal</a></li><li><a href="https://onlinereporting.cbfsai.ie/" target="_blank" title="This link will open in a new tab or window" rel="noopener" data-sf-ec-immutable="">Log in to Credit Union Auditor Reporting</a></li><li><a href="https://orion.centralbank.ie/" title="This link will open in a new tab or window" target="_blank" rel="noopener" data-sf-ec-immutable="">Log in to ORION</a></li><li><a href="http://registers.centralbank.ie/" title="This link will open in a new tab or window" target="_blank" rel="noopener" data-sf-ec-immutable="">Registers</a></li></ul> </div> <div class="col-sm-9 sub-menu "> <ul role="menu" aria-label="second level menu"> <li class=""> <a tabindex="0" href="/regulation" aria-haspopup="false">Regulation Overview</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Innovation-Hub</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/innovation-hub" aria-haspopup="false">Innovation-Hub Overview</a> </li> <li> <a tabindex="0" href="/regulation/innovation-hub/engaging-with-the-innovation-hub" aria-haspopup="true">Engaging with the Innovation Hub</a> </li> <li> <a tabindex="0" href="/regulation/innovation-hub/how-to-engage-with-the-innovation-hub" aria-haspopup="true">How to engage with the Innovation Hub</a> </li> <li> <a tabindex="0" href="/regulation/innovation-hub/innovation-hub-engagement-form" aria-haspopup="true">Innovation Hub Engagement Form</a> </li> <li> <a tabindex="0" href="/regulation/innovation-hub/innovation-sandbox-programme" aria-haspopup="true">Innovation Sandbox Programme</a> </li> <li> <a tabindex="0" href="/regulation/innovation-hub/our-approach-to-innovation" aria-haspopup="true">Our approach to innovation</a> </li> <li> <a tabindex="0" href="/regulation/innovation-hub/speeches-and-publications" aria-haspopup="true">Speeches and publications</a> </li> <li> <a tabindex="0" href="/regulation/innovation-hub/eu-international-innovation-forums" aria-haspopup="true">EU/international innovation forums</a> </li> <li> <a tabindex="0" href="/regulation/innovation-hub/consultation-paper-on-innovation-engagement---cp156" aria-haspopup="true">Consultation Paper on Innovation Engagement - CP156</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Central Bank of Ireland Portal</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/central-bank-portal" aria-haspopup="false">Central Bank of Ireland Portal Overview</a> </li> <li> <a tabindex="0" href="/regulation/central-bank-portal/returns-guidance" aria-haspopup="true">Returns Guidance</a> </li> <li> <a tabindex="0" href="/regulation/central-bank-portal/help" aria-haspopup="true">Help</a> </li> <li> <a tabindex="0" href="/regulation/central-bank-portal/legal-information" aria-haspopup="true">Portal Legal Information</a> </li> <li> <a tabindex="0" href="/regulation/central-bank-portal/contact-us" aria-haspopup="true">Contact Us</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">How We Regulate</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/how-we-regulate" aria-haspopup="false">How We Regulate Overview</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/authorisation" aria-haspopup="true">Authorisation</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/fitness-probity" aria-haspopup="true">Fitness & Probity</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/individual-accountability-framework" aria-haspopup="true">Individual Accountability Framework </a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/brexit-faq" aria-haspopup="true">Brexit FAQ – Financial Services Firms</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/policy" aria-haspopup="true">Policy</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/supervision" aria-haspopup="true">Supervision</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/fees-levies" aria-haspopup="true">Fees & Levies</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/regulatory-decisions-unit" aria-haspopup="true">Regulatory Decisions Unit</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/enforcement" aria-haspopup="true">Enforcement</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/resolution-framework" aria-haspopup="true">Resolution Framework</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/international-financial-sanctions" aria-haspopup="true">International Financial Sanctions</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/codes" aria-haspopup="true">Codes</a> </li> <li> <a tabindex="0" href="/regulation/how-we-regulate/diversity-and-inclusion-in-regulated-firms" aria-haspopup="true">Diversity and Inclusion in Regulated Firms</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Industry & Market Sectors</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/industry-market-sectors" aria-haspopup="false">Industry & Market Sectors Overview</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/brokers-retail-intermediaries" aria-haspopup="true">Brokers / Retail Intermediaries</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/bureaux-de-change" aria-haspopup="true">Bureaux de Change</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/client-assets" aria-haspopup="true">Client Assets / Investor Money</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/credit-institutions" aria-haspopup="true">Credit Institutions</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers" aria-haspopup="true">Credit Servicing Firms / Credit Servicers</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/credit-unions" aria-haspopup="true">Credit Unions</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/crowdfunding-service-providers" aria-haspopup="true"> Crowdfunding Service Providers</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/debt-management-firms" aria-haspopup="true">Debt Management Firms</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/electronic-money-institutions" aria-haspopup="true">Electronic Money Institutions</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/funds-service-providers" aria-haspopup="true">Funds Service Providers</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/funds" aria-haspopup="true">Funds</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/high-cost-credit-providers" aria-haspopup="true">High Cost Credit Providers</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/insurance-reinsurance" aria-haspopup="true">Insurance & Reinsurance</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/investment-firms" aria-haspopup="true">Investment Firms</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/money-transmission-businesses" aria-haspopup="true">Money Transmission Businesses</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/payment-institutions" aria-haspopup="true">Payment Institutions</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/pepp-provider" aria-haspopup="true">PEPP Provider</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/retail-credit-home-reversion-firms" aria-haspopup="true">Retail Credit & Home Reversion Firms</a> </li> <li> <a tabindex="0" href="/regulation/industry-market-sectors/securities-markets" aria-haspopup="true">Securities Markets</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Anti-Money Laundering and Countering the Financing of Terrorism</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism" aria-haspopup="false">Anti-Money Laundering and Countering the Financing of Terrorism Overview</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/legislation" aria-haspopup="true">Correspondence with Industry</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/eu-international" aria-haspopup="true">EU and International</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/events" aria-haspopup="true">Events</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/countering-the-financing-of-terrorism" aria-haspopup="true">Financial Sanctions and Terrorist Financing - additional obligations</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/registration---cheque-cashing-offices" aria-haspopup="true">Registration - Cheque Cashing Offices</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/schedule2-registration" aria-haspopup="true">Registration - Schedule 2 Firms</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/virtual-asset-service-providers" aria-haspopup="true">Virtual Asset Service Providers</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/regulatory-requirements-guidance" aria-haspopup="true">Regulation </a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/guidance-on-risk" aria-haspopup="true">Risk and Guidance</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/risk-based-approach-to-aml-supervision" aria-haspopup="true">Supervision</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/tcsp-authorisation" aria-haspopup="true">TCSP Authorisation</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/beneficial-ownership-register" aria-haspopup="true">Beneficial Ownership Register</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/fund-transfer-regulations-notification-requirement-for-payment-service-providers" aria-haspopup="true">Fund Transfer Regulations Notification Requirement for Payment Service Providers</a> </li> <li> <a tabindex="0" href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism/ireland-safe-deposit-box-bank-and-payment-accounts-register-(isbar)" aria-haspopup="true">Ireland Safe Deposit Box Bank and Payment Accounts Register (ISBAR)</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Consumer Protection</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/consumer-protection" aria-haspopup="false">Consumer Protection Overview</a> </li> <li> <a tabindex="0" href="/regulation/consumer-protection/compliance-monitoring" aria-haspopup="true">Compliance Monitoring</a> </li> <li> <a tabindex="0" href="/regulation/consumer-protection/legislation" aria-haspopup="true">Legislation for Consumer Protection</a> </li> <li> <a tabindex="0" href="/regulation/consumer-protection/advisory-groups" aria-haspopup="true">Advisory Groups</a> </li> <li> <a tabindex="0" href="/regulation/consumer-protection/central-credit-register" aria-haspopup="true">Central Credit Register</a> </li> <li> <a tabindex="0" href="/regulation/consumer-protection/consumer-protection-outlook-report" aria-haspopup="true">Consumer Protection Outlook Report</a> </li> <li> <a tabindex="0" href="/regulation/consumer-protection/consumer-protection-codes-regulations" aria-haspopup="true">Consumer Protection Codes and Regulations</a> </li> <li> <a tabindex="0" href="/regulation/consumer-protection/european-supervisory-authority-guidelines" aria-haspopup="true">European Supervisory Authority Guidelines</a> </li> <li> <a tabindex="0" href="/regulation/consumer-protection/contact-us" aria-haspopup="true">Consumer Protection Directorate - Contact Us</a> </li> <li> <a tabindex="0" href="/regulation/consumer-protection/consumer-protection-research" aria-haspopup="true">Consumer Protection Research</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Markets Update</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/markets-update" aria-haspopup="false">Markets Update Overview</a> </li> <li> <a tabindex="0" href="/regulation/markets-update/iosco" aria-haspopup="true">IOSCO</a> </li> <li> <a tabindex="0" href="/regulation/markets-update/esma-guidelines-and-recommendations" aria-haspopup="true">ESMA Guidelines and Recommendations</a> </li> <li> <a tabindex="0" href="/regulation/markets-update/markets-update-archive" aria-haspopup="true">Markets Update Archive</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Protected Disclosures & Whistleblowing</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/protected-disclosures-whistleblowing" aria-haspopup="false">Protected Disclosures & Whistleblowing Overview</a> </li> <li> <a tabindex="0" href="/regulation/protected-disclosures-whistleblowing/2023-report-on-protected-disclosures" aria-haspopup="true">2023 Report on Protected Disclosures</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Markets in Crypto Assets Regulation (MiCAR) </a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/markets-in-crypto-assets-regulation" aria-haspopup="false">Markets in Crypto Assets Regulation (MiCAR)  Overview</a> </li> <li> <a tabindex="0" href="/regulation/markets-in-crypto-assets-regulation/micar---frequently-asked-questions" aria-haspopup="true">MiCAR - frequently asked questions</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Digital Operational Resilience Act (DORA) </a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/digital-operational-resilience-act-(dora)" aria-haspopup="false">Digital Operational Resilience Act (DORA)  Overview</a> </li> <li> <a tabindex="0" href="/regulation/digital-operational-resilience-act-(dora)/communications-and-publications" aria-haspopup="true">Communications and Publications</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Unauthorised Firms</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/unauthorised-firms" aria-haspopup="false">Unauthorised Firms Overview</a> </li> <li> <a tabindex="0" href="/regulation/unauthorised-firms/pages" aria-haspopup="true">Warnings- Unauthorised Firms button link</a> </li> </ul> </li> <li> <a tabindex="0" href="/regulation/enforcement" aria-haspopup="true">Enforcement</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">PSD2 </a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/regulation/psd2-overview" aria-haspopup="false">PSD2 Overview</a> </li> <li> <a tabindex="0" href="/regulation/psd2-overview/psd2" aria-haspopup="true">PSD2 - Reporting Requirements</a> </li> <li> <a tabindex="0" href="/regulation/psd2-overview/faq" aria-haspopup="true">PSD2 - Frequently Asked Questions</a> </li> </ul> </li> <li> <a tabindex="0" href="/regulation/central-securities-depository-regulation-(csdr)" aria-haspopup="true">Central Securities Depository Regulation (CSDR)</a> </li> <li> <a tabindex="0" href="/regulation/outsourcing-registers-submission-requirements" aria-haspopup="true">Outsourcing Registers</a> </li> <li> <a tabindex="0" href="/regulation/transforming-regulation-and-supervision" aria-haspopup="true">Transforming Regulation and Supervision</a> </li> </ul> </div> </div> <a href="#" class="close-megamenu">Close <span class="fa fa-times"></span></a> </div> </div> </li> <li> <a id="item-publication" class="" href="#" aria-haspopup="true"><span>Publications</span></a> <div class="grey-box"> <div class="container"> <div class="navbtn row hidden-sm hidden-md hidden-lg"> <div class="col-xs-4"> <a href="#" class="btn btn-dark-blue button-text-small"> <span class="glyphicon glyphicon-chevron-left"></span>Back </a> </div> <div class="col-xs-8"> <p class="title">ACS</p> </div> </div> <div class="row heading-bar"> <div class="col-sm-6">Publications</div> <div class="col-sm-6"></div> </div> <div class="row"> <div class="col-sm-3 first"> <p>What we publish on the economy and about ourselves.</p><p><a href="/publication" class="btn-reg">Publications Overview</a></p><p>A forum for research engagement.</p><p><a href="/research-exchange" class="btn-reg">Research Exchange</a></p><hr><ul><li><a href="/news-media/blog">Governor's Blog</a></li></ul> </div> <div class="col-sm-9 sub-menu "> <ul role="menu" aria-label="second level menu"> <li class=""> <a tabindex="0" href="/publication" aria-haspopup="false">Publications Overview</a> </li> <li> <a tabindex="0" href="/publication/behind-the-data" aria-haspopup="true">Behind the Data</a> </li> <li> <a tabindex="0" href="/publication/consultation-papers" aria-haspopup="true">Consultation Papers</a> </li> <li> <a tabindex="0" href="/publication/consumer-protection-research" aria-haspopup="true">Consumer Protection Research</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Correspondence</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/publication/correspondence" aria-haspopup="false">Correspondence Overview</a> </li> <li> <a tabindex="0" href="/publication/correspondence/oireachtas-correspondence" aria-haspopup="true">Oireachtas Correspondence</a> </li> <li> <a tabindex="0" href="/publication/correspondence/department-of-finance-correspondence" aria-haspopup="true">Department of Finance Correspondence</a> </li> <li> <a tabindex="0" href="/publication/correspondence/general-correspondence" aria-haspopup="true">General Correspondence</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Corporate Reports</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/publication/corporate-reports" aria-haspopup="false">Corporate Reports Overview</a> </li> <li> <a tabindex="0" href="/publication/corporate-reports/strategic-plan" aria-haspopup="true">Our Strategy </a> </li> <li> <a tabindex="0" href="/publication/corporate-reports/annual-reports" aria-haspopup="true">Annual Reports Archive</a> </li> <li> <a tabindex="0" href="/publication/corporate-reports/annual-performance-statement" aria-haspopup="true">Annual Performance Statements Archive</a> </li> <li> <a tabindex="0" href="/publication/corporate-reports/central-bank-annual-report-and-annual-performance-statement-2023" aria-haspopup="true">Central Bank Annual Report and Annual Performance Statement 2023</a> </li> </ul> </li> <li> <a tabindex="0" href="/publication/discussion-papers" aria-haspopup="true">Discussion Papers</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Financial Stability Review </a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/publication/financial-stability-review" aria-haspopup="false">Financial Stability Review Overview</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-2024-i" aria-haspopup="true">Financial Stability Review 2024 I</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-2023-ii" aria-haspopup="true">Financial Stability Review 2023 II</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-2023-i" aria-haspopup="true">Financial Stability Review 2023 I</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-2022-ii" aria-haspopup="true">Financial Stability Review 2022 II</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-2022-i" aria-haspopup="true">Financial Stability Review 2022 I</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-2021-ii" aria-haspopup="true">Financial Stability Review 2021 II</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-2021-i" aria-haspopup="true">Financial Stability Review 2021 I</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-2020-ii" aria-haspopup="true">Financial Stability Review 2020 II</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-2020-i" aria-haspopup="true">Financial Stability Review 2020 I</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-2019-ii" aria-haspopup="true">Financial Stability Review 2019 II</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-2019-i" aria-haspopup="true">Financial Stability Review 2019 I</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/financial-stability-review-list" aria-haspopup="true">Financial Stability Review Archive</a> </li> <li> <a tabindex="0" href="/publication/financial-stability-review/macro-financial-reviews" aria-haspopup="true">Macro Financial Reviews</a> </li> </ul> </li> <li> <a tabindex="0" href="/publication/financial-measures-programme" aria-haspopup="true">Financial Measures Programme</a> </li> <li> <a tabindex="0" href="/publication/household-credit-market-report" aria-haspopup="true">Household Credit Market Report </a> </li> <li> <a tabindex="0" href="/publication/insurance-compensation-fund" aria-haspopup="true">Insurance Compensation Fund </a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Quarterly Bulletins</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/publication/quarterly-bulletins" aria-haspopup="false">Quarterly Bulletins Overview</a> </li> <li> <a tabindex="0" href="/publication/quarterly-bulletins/signed-articles" aria-haspopup="true">Quarterly Bulletin Signed Articles</a> </li> <li> <a tabindex="0" href="/publication/quarterly-bulletins/quarterly-bulletins-list" aria-haspopup="true">Quarterly Bulletins Archive</a> </li> <li> <a tabindex="0" href="/publication/quarterly-bulletins/quarterly-bulletin-q3-2024" aria-haspopup="true">Quarterly Bulletin Q3 2024</a> </li> <li> <a tabindex="0" href="/publication/quarterly-bulletins/quarterly-bulletin-q2-2024" aria-haspopup="true">Quarterly Bulletin Q2 2024</a> </li> <li> <a tabindex="0" href="/publication/quarterly-bulletins/quarterly-bulletin-q1-2024" aria-haspopup="true">Quarterly Bulletin Q1 2024</a> </li> <li> <a tabindex="0" href="/publication/quarterly-bulletins/quarterly-bulletin-q4-2023" aria-haspopup="true">Quarterly Bulletin Q4 2023</a> </li> <li> <a tabindex="0" href="/publication/quarterly-bulletins/quarterly-bulletin-q3-2023" aria-haspopup="true">Quarterly Bulletin Q3 2023</a> </li> <li> <a tabindex="0" href="/publication/quarterly-bulletins/quarterly-bulletin-q2-2023" aria-haspopup="true">Quarterly Bulletin Q2 2023</a> </li> <li> <a tabindex="0" href="/publication/quarterly-bulletins/quarterly-bulletin-q1-2023" aria-haspopup="true">Quarterly Bulletin Q1 2023</a> </li> <li> <a tabindex="0" href="/publication/quarterly-bulletins/quarterly-bulletin-q4-2022" aria-haspopup="true">Quarterly Bulletin Q4 2022</a> </li> </ul> </li> <li> <a tabindex="0" href="/publication/sme-market-reports" aria-haspopup="true">SME Market Reports </a> </li> <li> <a tabindex="0" href="/publication/systemic-risk-pack" aria-haspopup="true">Systemic Risk Pack</a> </li> <li> <a tabindex="0" href="/publication/regulatory---supervisory-outlook-report" aria-haspopup="true">Regulatory & Supervisory Outlook Report</a> </li> </ul> </div> </div> <a href="#" class="close-megamenu">Close <span class="fa fa-times"></span></a> </div> </div> </li> <li> <a id="item-statistics" class="" href="#" aria-haspopup="true"><span>Statistics</span></a> <div class="grey-box"> <div class="container"> <div class="navbtn row hidden-sm hidden-md hidden-lg"> <div class="col-xs-4"> <a href="#" class="btn btn-dark-blue button-text-small"> <span class="glyphicon glyphicon-chevron-left"></span>Back </a> </div> <div class="col-xs-8"> <p class="title">ACS</p> </div> </div> <div class="row heading-bar"> <div class="col-sm-6">Statistics</div> <div class="col-sm-6"></div> </div> <div class="row"> <div class="col-sm-3 first"> <p>Our role as the leading compiler of Irish financial statistics.   </p><p><a href="/statistics" class="btn-reg">Statistics Overview</a></p><p>Making data accessible for all.   </p><p><a href="/statistics/open-data-portal" class="btn-reg" data-sf-ec-immutable="">Open Data Portal</a></p><hr> </div> <div class="col-sm-9 sub-menu "> <ul role="menu" aria-label="second level menu"> <li class=""> <a tabindex="0" href="/statistics" aria-haspopup="false">Statistics Overview</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Statistical Publications</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/statistics/statistical-publications" aria-haspopup="false">Statistical Publications Overview</a> </li> <li> <a tabindex="0" href="/statistics/statistical-publications/behind-the-data" aria-haspopup="true">Behind the Data</a> </li> </ul> </li> <li> <a tabindex="0" href="/statistics/release-calendar" aria-haspopup="true">Statistical Tables Publication Calendar</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Data & Analysis</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/statistics/data-and-analysis" aria-haspopup="false">Data & Analysis Overview</a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/credit-and-banking-statistics" aria-haspopup="true">Credit and Banking Statistics</a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/monthly-card-payment-statistics" aria-haspopup="true">Monthly Card Payment Statistics</a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/bis-triennial-derivatives-survey" aria-haspopup="true">BIS Triennial Derivatives Survey</a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/other-financial-sector-statistics" aria-haspopup="true">Non-Bank Financial Sector Statistics</a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/financial-accounts" aria-haspopup="true">Quarterly Financial Accounts</a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/securities-statistics" aria-haspopup="true">Securities Statistics</a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/competitiveness-reserves-and-national-debt" aria-haspopup="true">Competitiveness, Reserves and National Debt</a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/euro-area-statistics" aria-haspopup="true">Euro Area Statistics</a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/insurance-corporations-statistics" aria-haspopup="true">Insurance Corporations Statistics</a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/payments-services-statistics" aria-haspopup="true">Payment Statistics</a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/pension-fund-statistics" aria-haspopup="true">Pension Fund Statistics </a> </li> <li> <a tabindex="0" href="/statistics/data-and-analysis/national-claims-information-database" aria-haspopup="true">National Claims Information Database</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Statistical Reporting Requirements</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/statistics/statistical-reporting-requirements" aria-haspopup="false">Statistical Reporting Requirements Overview</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/schedule-of-dates" aria-haspopup="true">Schedule of Dates</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/credit-institutions" aria-haspopup="true">Credit Institutions</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/targeted-longer-term-refinancing-operations-(tltros)" aria-haspopup="true">Targeted Longer-Term Refinancing Operations (TLTROs)</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/financial-vehicle-corporations" aria-haspopup="true">Financial Vehicle Corporations</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/securities-reporting-custodians" aria-haspopup="true">Securities Reporting Custodians</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/fund-administrators" aria-haspopup="true">Fund Administrators</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/insurance-corporations" aria-haspopup="true">Insurance Corporations</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/special-purpose-vehicles" aria-haspopup="true">Special Purpose Vehicles</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/classification-of-entities-by-institutional-sector" aria-haspopup="true">Classification of Entities by Institutional Sector</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/payment-service-providers" aria-haspopup="true">Payment Service Providers</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/anacredit-in-ireland" aria-haspopup="true">AnaCredit in Ireland</a> </li> <li> <a tabindex="0" href="/statistics/statistical-reporting-requirements/pension-funds" aria-haspopup="true">Pension Funds</a> </li> </ul> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Exchange Rates and Interest Rates</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/statistics/interest-rates-exchange-rates" aria-haspopup="false">Exchange Rates and Interest Rates Overview</a> </li> <li> <a tabindex="0" href="/statistics/interest-rates-exchange-rates/exchange-rates" aria-haspopup="true">Exchange Rates</a> </li> <li> <a tabindex="0" href="/statistics/interest-rates-exchange-rates/ecb-interest-rates" aria-haspopup="true">ECB Interest Rates</a> </li> </ul> </li> <li> <a tabindex="0" href="/statistics/contact-us" aria-haspopup="true">Contact Us</a> </li> <li> <a tabindex="0" href="/statistics/open-data-portal" aria-haspopup="true">Open Data Portal</a> </li> </ul> </div> </div> <a href="#" class="close-megamenu">Close <span class="fa fa-times"></span></a> </div> </div> </li> <li> <a id="item-consumer-hub" class="" href="#" aria-haspopup="true"><span>Consumer Hub</span></a> <div class="grey-box"> <div class="container"> <div class="navbtn row hidden-sm hidden-md hidden-lg"> <div class="col-xs-4"> <a href="#" class="btn btn-dark-blue button-text-small"> <span class="glyphicon glyphicon-chevron-left"></span>Back </a> </div> <div class="col-xs-8"> <p class="title">ACS</p> </div> </div> <div class="row heading-bar"> <div class="col-sm-6">Consumer Hub</div> <div class="col-sm-6"></div> </div> <div class="row"> <div class="col-sm-3 first"> <p>Our work in protecting you.</p> <p><a href="/consumer-hub" class="btn-reg">Consumer Hub Overview</a></p><hr><ul><li><a href="/consumer-hub/explainers/how-can-i-avoid-a-financial-services-scam">Avoiding Financial Scams</a></li><li><a href="http://registers.centralbank.ie/" title="This link will open in a new tab or window" target="_blank" rel="noopener" data-sf-ec-immutable="">Check if a firm is regulated</a></li><li><a href="/regulation/how-we-regulate/authorisation/unauthorised-firms/search-unauthorised-firms">See a list of unauthorised firms</a></li><li><a href="/consumer-hub/explainers/how-do-i-complain-about-a-financial-services-firm">Complain about a financial services firm</a></li></ul> </div> <div class="col-sm-9 sub-menu "> <ul role="menu" aria-label="second level menu"> <li class=""> <a tabindex="0" href="/consumer-hub" aria-haspopup="false">Consumer Hub Overview</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Explainers</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/consumer-hub/explainers" aria-haspopup="false">Explainers Overview</a> </li> <li> <a tabindex="0" href="/consumer-hub/explainers/animated-explainer-series" aria-haspopup="true">Animated Explainer Series</a> </li> </ul> </li> <li> <a tabindex="0" href="/consumer-hub/buying-insurance" aria-haspopup="true">Buying insurance</a> </li> <li> <a tabindex="0" href="/consumer-hub/saving-your-money" aria-haspopup="true">Saving your money</a> </li> <li> <a tabindex="0" href="/consumer-hub/investing-your-money-consumer-faq" aria-haspopup="true">Investing your money</a> </li> <li> <a tabindex="0" href="/consumer-hub/short-term-credit" aria-haspopup="true">Short-term credit </a> </li> <li> <a tabindex="0" href="/consumer-hub/mortgages-and-financial-difficulty" aria-haspopup="true">Mortgages and Financial Difficulty</a> </li> <li> <a tabindex="0" href="/consumer-hub/crypto-consumer-information" aria-haspopup="true">Crypto</a> </li> <li> <a tabindex="0" href="/consumer-hub/scams" aria-haspopup="true">Scams</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Banknotes and Coins</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/consumer-hub/notes-and-coins" aria-haspopup="false">Banknotes and Coins Overview</a> </li> <li> <a tabindex="0" href="/consumer-hub/notes-and-coins/collector-coins" aria-haspopup="true">Collector Coins</a> </li> <li> <a tabindex="0" href="/consumer-hub/notes-and-coins/exchange-old-or-damaged-money" aria-haspopup="true">Replace Old or Damaged Money</a> </li> <li> <a tabindex="0" href="/consumer-hub/notes-and-coins/euro-banknotes" aria-haspopup="true">Euro Banknotes</a> </li> <li> <a tabindex="0" href="/consumer-hub/notes-and-coins/euro-coins" aria-haspopup="true">Euro Coins</a> </li> <li> <a tabindex="0" href="/consumer-hub/notes-and-coins/eurosystem-cash-strategy" aria-haspopup="true">Eurosystem Cash Strategy</a> </li> <li> <a tabindex="0" href="/consumer-hub/notes-and-coins/historical-banknotes" aria-haspopup="true">Old Irish Banknotes</a> </li> <li> <a tabindex="0" href="/consumer-hub/notes-and-coins/irish-coin" aria-haspopup="true">Old Irish Coins</a> </li> <li> <a tabindex="0" href="/consumer-hub/notes-and-coins/suspect-counterfeits" aria-haspopup="true">Suspect Counterfeits</a> </li> <li> <a tabindex="0" href="/consumer-hub/notes-and-coins/faqs" aria-haspopup="true">Banknotes & Coins FAQs</a> </li> </ul> </li> <li> <a tabindex="0" href="/consumer-hub/unauthorised-firms" aria-haspopup="true">Unauthorised Firms</a> </li> <li> <a tabindex="0" href="/consumer-hub/deposit-guarantee-scheme" aria-haspopup="true">Deposit Guarantee Scheme</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Mortgage Measures</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/consumer-hub/mortgage-measures" aria-haspopup="false">Mortgage Measures Overview</a> </li> <li> <a tabindex="0" href="/consumer-hub/mortgage-measures/mortgage-measures---faq" aria-haspopup="true">Mortgage Measures - FAQ</a> </li> </ul> </li> <li> <a tabindex="0" href="/consumer-hub/consumer-guides" aria-haspopup="true">Consumer Guides and Surveys</a> </li> <li> <a tabindex="0" href="/consumer-hub/central-credit-register" aria-haspopup="true">Central Credit Register</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Warnings and Alerts</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/consumer-hub/consumer-notices" aria-haspopup="false">Warnings and Alerts Overview</a> </li> <li> <a tabindex="0" href="/consumer-hub/consumer-notices/notice-on-phishing-email" aria-haspopup="true">Notice on Phishing Email</a> </li> </ul> </li> <li> <a tabindex="0" href="/consumer-hub/rounding" aria-haspopup="true">Rounding</a> </li> <li class="sub"> <a tabindex="0" href="#" aria-haspopup="true">Tracker Mortgage Examination</a> <ul role="menu" aria-label="third level menu"> <li class=""> <a tabindex="0" href="/consumer-hub/tracker-mortgage-examination" aria-haspopup="false">Tracker Mortgage Examination Overview</a> </li> <li> <a tabindex="0" href="/consumer-hub/tracker-mortgage-examination/aib-ebs-tracker-cases-settled" aria-haspopup="true">AIB/EBS Tracker Cases Settled</a> </li> </ul> </li> <li> <a tabindex="0" href="/consumer-hub/irish-government-bonds" aria-haspopup="true">Irish Government Bonds and Treasury Bills</a> </li> <li> <a tabindex="0" href="/consumer-hub/word-on-the-street" aria-haspopup="true">Word on the Street</a> </li> <li> <a tabindex="0" href="/consumer-hub/contacts-and-complaints" aria-haspopup="true">Contacts and Complaints</a> </li> <li> <a tabindex="0" href="/consumer-hub/using-a-financial-broker" aria-haspopup="true">Using a financial broker</a> </li> </ul> </div> </div> <a href="#" class="close-megamenu">Close <span class="fa fa-times"></span></a> </div> </div> </li> </ul> <div id="tnsMobile" class="hidden-md hidden-sm hidden-lg"></div> </nav> </div> </div> </header> <main> <div class="breadcrumbs"> <nav aria-label="Breadcrumb" class="container"> <ol> <li><a href="/">Home </a></li> <li><a href="/regulation">Regulation </a></li> <li><a href="/regulation/industry-market-sectors">Industry & Market Sectors </a></li> <li class="active">PEPP Provider</li> </ol> </nav> </div> <div class="container standard-content"> <div class="sf_cols row"> <div class="col-sm-8 main-content"> <article id="MainContentPlaceholder_T225F410C003_Col00" class="sf_colsIn" data-placeholder-label="Main Content"><h1><strong>Application Process for the Pan-European Pension Product</strong></h1> <p>The purpose of this section is to provide information to firms considering applying for registration of a PEPP.</p> <p>Regulation (EU) 2019/1238 of the European Parliament and of the Council of 20 June 2019 on a pan-European Personal Pension Product (the “PEPP Regulation”) establishes an EU regulatory framework for a pan-European Personal Pension Product (PEPP). </p> <p>The PEPP Regulation defines a PEPP as meaning:</p> <ul> <li>A long-term savings personal pension product, which is provided by a financial undertaking eligible according to Article 6(1) under a PEPP contract, and subscribed to by a PEPP saver, or by an independent PEPP savers association on behalf of its members, in view of retirement, and which has no or strictly limited possibility for early redemption and is registered in accordance with this Regulation.</li> </ul> <p>The application process for registration of a PEPP is dependent on the regulatory domicile of the PEPP provider. Each applicant seeking registration from the Central Bank must meet the standards set out in the PEPP Regulation. Should the applicant wish to proceed to make an application for registration of a PEPP, the applicant will be provided with an application form which will need to be submitted fully completed. </p> <p>The Central Bank seeks to process each application as expeditiously as possible while meeting its obligation to operate a rigorous and effective gatekeeper function. It aims to ensure that the application process is facilitative and accessible from the perspective of applicants and, importantly, that applicants have clarity with regard to the process, its requirements and timelines.</p> <h2><strong>For firms prudentially regulated by the Central Bank:</strong></h2> <p>Should your firm wish to register a PEPP, contact your Central Bank supervisor. Your supervisor will be able to provide you with details on the registration process.</p> <h2><strong>For firms prudentially regulated by other EU competent authorities:</strong></h2> <p>Should your firm wish to register a PEPP for the Irish market, contact your home State supervisor. Your supervisor will be able to provide you with details on the registration process.</p> <h3><strong>Notes</strong></h3> <p>The <a href="https://eur-lex.europa.eu/legal-content/EN/TXT/PDF/?uri=CELEX:32019R1238&from=EN" title="This link will open in a new tab or window" target="_blank">PEPP Regulation</a> was published on 25 July 2019, with entry into force on 14 August 2019.</p> <p>The following links to the Revenue Commissioners website contains details as to the taxation treatment for PEPPs and other pension products.</p> <p><a href="https://www.revenue.ie/en/employing-people/what-constitutes-pay/employees-pension-payments/pan-european-personal-pension-products.aspx" title="This link will open in a new window" target="_blank">https://www.revenue.ie/en/employing-people/what-constitutes-pay/employees-pension-payments/pan-european-personal-pension-products.aspx</a></p> <p><a href="https://www.revenue.ie/en/tax-professionals/tdm/pensions/chapter-31.pdf" title="This link will open in a new window" target="_blank">https://www.revenue.ie/en/tax-professionals/tdm/pensions/chapter-31.pdf</a></p> </article> </div> <div id="MainContentPlaceholder_T225F410C003_Col01" class="sf_colsIn col-sm-4 rhs" data-placeholder-label="General Righ hand side"> <nav aria-labelledby="rhsheadingtwo"> <h3 class="sidebar-heading-icon icon-bars hidden-xs" id="rhsheadingtwo"> In this Section </h3> <div class="right-sidebar hidden-xs"> <ul class="left-nav"> <li class=""> <a href="/regulation/innovation-hub">Innovation-Hub</a> </li> <li class=""> <a href="/regulation/central-bank-portal">Central Bank of Ireland Portal</a> </li> <li class=""> <a href="/regulation/how-we-regulate">How We Regulate</a> </li> <li class="first-level-child active"> <a href="/regulation/industry-market-sectors">Industry & Market Sectors</a> <ul id="MainContentPlaceholder_T225F410C009_ctl00_ctl00_ctl03_ctl03_childNodesContainer"> <li class=""> <a href="/regulation/industry-market-sectors/brokers-retail-intermediaries">Brokers / Retail Intermediaries</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/bureaux-de-change">Bureaux de Change</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/client-assets">Client Assets / Investor Money</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/credit-institutions">Credit Institutions</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/credit-servicing-firms-credit-servicers">Credit Servicing Firms / Credit Servicers</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/credit-unions">Credit Unions</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/crowdfunding-service-providers"> Crowdfunding Service Providers</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/debt-management-firms">Debt Management Firms</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/electronic-money-institutions">Electronic Money Institutions</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/funds-service-providers">Funds Service Providers</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/funds">Funds</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/high-cost-credit-providers">High Cost Credit Providers</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/insurance-reinsurance">Insurance & Reinsurance</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/investment-firms">Investment Firms</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/money-transmission-businesses">Money Transmission Businesses</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/payment-institutions">Payment Institutions</a> </li> <li class=" active"> <a href="/regulation/industry-market-sectors/pepp-provider">PEPP Provider</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/retail-credit-home-reversion-firms">Retail Credit & Home Reversion Firms</a> </li> <li class=""> <a href="/regulation/industry-market-sectors/securities-markets">Securities Markets</a> </li> </ul> </li> <li class=""> <a href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism">Anti-Money Laundering and Countering the Financing of Terrorism</a> </li> <li class=""> <a href="/regulation/consumer-protection">Consumer Protection</a> </li> <li class=""> <a href="/regulation/markets-update">Markets Update</a> </li> <li class=""> <a href="/regulation/protected-disclosures-whistleblowing">Protected Disclosures & Whistleblowing</a> </li> <li class=""> <a href="/regulation/markets-in-crypto-assets-regulation">Markets in Crypto Assets Regulation (MiCAR) </a> </li> <li class=""> <a href="/regulation/digital-operational-resilience-act-(dora)">Digital Operational Resilience Act (DORA) </a> </li> <li class=""> <a href="/regulation/unauthorised-firms">Unauthorised Firms</a> </li> <li class=""> <a href="/regulation/enforcement">Enforcement</a> </li> <li class=""> <a href="/regulation/psd2-overview">PSD2 </a> </li> <li class=""> <a href="/regulation/central-securities-depository-regulation-(csdr)">Central Securities Depository Regulation (CSDR)</a> </li> <li class=""> <a href="/regulation/outsourcing-registers-submission-requirements">Outsourcing Registers</a> </li> <li class=""> <a href="/regulation/transforming-regulation-and-supervision">Transforming Regulation and Supervision</a> </li> </ul> </div> </nav> <aside id="MainContentPlaceholder_T225F410C012_Col00" class="sf_colsIn aside-sec" data-placeholder-label="Aside widgets"> </aside> </div> </div> </div> </main> <footer> <div class="container"> <nav aria-labelledby="fnsheading" class="columns-row"> <h2 class="sr-only" id="fnsheading">Footer Navigation</h2> <div class="row"> <div class="col-sm-3"> <div class="footer-header"> <h3>Popular Searches</h3> <style type="text/css"> footer ul li a[href*=medium]:before { display: none !important } footer ul li a:after { display: none !important } </style> </div> <ul> <li><a href="/statistics/interest-rates-exchange-rates/exchange-rates" style="padding-left: 0px !important;">Exchange Rates</a></li> <li><a href="http://registers.centralbank.ie?utm_medium=website&utm_source=CBI-footer&utm_content=43731" style="padding-left: 0px !important;" target="_blank" rel="noopener">Register of Firms</a></li> <li><a href="/regulation/consumer-protection/consumer-protection-codes-regulations" style="padding-left: 0px !important;">Consumer Protection</a></li> <li><a href="/regulation/how-we-regulate/fitness-probity" style="padding-left: 0px !important;">Fitness and Probity</a></li> </ul> </div> <div class="col-sm-3"> <div class="footer-header"> <h3>Popular Documents</h3> </div> <ul> <li><a href="/docs/default-source/publications/quarterly-bulletins/qb-archive/2024/quarterly-bulletin-q2-2024.pdf?sfvrsn=49e4601a_6" title="Quarterly Bulletin Q2 2024">Quarterly Bulletin Q2 2024 (PDF)</a></li> <li><a href="/docs/default-source/regulation/consumer-protection/consumer-protection-outlook-report/consumer-protection-outlook-report-2023.pdf?sfvrsn=db2d991d_5" title="Consumer Protection Outlook Report 2023">Consumer Protection Outlook Report (PDF)</a></li> <li><a href="/docs/default-source/statistics/data-and-analysis/insurance-corporations-statistics/insurance-corporation-statistics-q3-2022.pdf?sfvrsn=f32d991d_2" title="Insurance Corporation Statistics Q3 2022 (PDF)">Insurance Corporation Statistics 2022 (PDF)</a></li> <li><a href="/docs/default-source/statistics/data-and-analysis/credit-and-banking-statistics/credit-and-debit-card-statistics/2023_jan_ie_credit_debit_cards.pdf?sfvrsn=7706991d_3" title="Credit and Debit Card Statistics January 2023 (PDF, 447Kb)">Credit and Debit Card Statistics January 2023 (PDF)</a></li> </ul> </div> <div class="col-sm-3"> <div class="footer-header"> <h3>Top Pages for Regulated Firms</h3> </div> <ul> <li><a href="http://registers.centralbank.ie?utm_medium=website&utm_source=CBI-footer&utm_content=43731" style="padding-left: 0px !important;" target="_blank" rel="noopener">Register of Firms</a></li> <li><a href="/regulation/anti-money-laundering-and-countering-the-financing-of-terrorism" style="padding-left: 0px !important;">Anti-Money Laundering</a></li> <li><a href="/regulation/industry-market-sectors/brokers-retail-intermediaries" style="padding-left: 0px !important;">Brokers / Retail Intermediaries</a></li> <li><a href="/regulation/industry-market-sectors/funds/ucits" style="padding-left: 0px !important;">UCITS Regulations</a></li> <li><a href="/regulation/industry-market-sectors/insurance-reinsurance" style="padding-left: 0px !important;">Insurance Supervision</a></li> </ul> </div> <div class="col-sm-3"> <div class="footer-header"> <h3>Top Pages for the Public</h3> </div> <ul> <li><a href="/careers" style="padding-left: 0px !important;">Jobs in the Central Bank</a></li> <li><a href="/consumer-hub/notes-and-coins/collector-coins" style="padding-left: 0px !important;">Buy a collector coin</a></li> <li><a href="/consumer-hub/notes-and-coins/exchange-old-or-damaged-money" style="padding-left: 0px !important;">Replace old or damaged money</a></li> <li><a href="/regulation/how-we-regulate/authorisation/unauthorised-firms" style="padding-left: 0px !important;">Check for unauthorised firms</a></li> <li><a href="/statistics/interest-rates-exchange-rates/exchange-rates" style="padding-left: 0px !important;">Exchange rates</a></li> </ul> </div> </div> <div class="row"> <div class="col-sm-3"> <div class="footer-header"> <h3>Site Information</h3> </div> <ul> <li><a href="/fns/privacy-statement">Data Protection Privacy Notice</a></li> <li><a href="/fns/disclaimer">Disclaimer</a></li> <li><a href="/fns/re-use-of-public-sector-information">Re-use of Public Sector Information</a></li> <li><a href="/fns/accessibility-statement">Accessibility</a></li> <li><a href="/fns/legislation">Legislation</a></li> <li><a href="/about/customer-charter">Customer Charter</a></li> <li><a href="#" class="optanon-toggle-display">Cookie Settings</a></li> </ul> </div> <div class="col-sm-3"> <div class="footer-header"> </div> <ul> <li><a href="/fns/sitemap">Sitemap</a></li> <li><a href="/fns/rss-feeds">RSS Feeds</a></li> <li><a href="/fns/glossary">Glossary</a></li> <li><a href="/fns/freedom-of-information">Freedom of Information</a></li> <li><a href="/fns/access-to-information-on-the-environment">Information on the Environment</a></li> <li><a href="/fns/irish-language-scheme">Irish Language Scheme</a></li> <li><a href="/fns/cookie-policy">Cookie Policy</a></li> </ul> </div> <div class="col-sm-3"> <div class="footer-header"> <h3>Follow Us</h3> </div> <ul style="border-bottom-color: currentColor !important; border-bottom-width: medium !important; border-bottom-style: none !important;"> <li><a href="https://www.twitter.com/centralbank_ie" title="This link will open in a new tab or window" class="twitter" target="_blank" rel="noopener">Twitter</a></li> <li><a href="https://www.youtube.com/user/centralbankireland" title="This link will open in a new tab or window" class="youtube" target="_blank" rel="noopener">YouTube</a></li> <li><a href="https://www.linkedin.com/company/central-bank-of-ireland" title="This link will open in a new tab or window" class="linkedin" target="_blank" rel="noopener">LinkedIn</a></li> <li><a href="https://www.instagram.com/centralbankofireland/" title="This link will open in a new tab or window" class="instagram" target="_blank" rel="noopener">Instagram</a></li> </ul> </div> <div class="col-sm-3"> <img loading="lazy" src="/images/default-source/logos/footer-logo.png?sfvrsn=dfff671a_1" title="footer-logo" alt="Central Bank of Ireland" /> </div> </div> <div class="row"> <div class="col-sm-12"> <p>©2024 Central Bank of Ireland</p> </div> </div> </nav> </div> </footer> <script type="text/javascript"> //<![CDATA[ window.__TsmHiddenField = $get('ctl07_TSM');;(function() { function loadHandler() { var hf = $get('ctl08_TSSM'); if (!hf._RSSM_init) { hf._RSSM_init = true; hf.value = ''; } hf.value += ';Telerik.Sitefinity.Resources, Version=14.4.8133.0, Culture=neutral, PublicKeyToken=b28c218413bdf563:en:17c135a4-5316-42f9-a0e3-877e0602d8a4:7a90d6a'; Sys.Application.remove_load(loadHandler); }; Sys.Application.add_load(loadHandler); })();//]]> </script> </form> <script> function toggle_iFrames() { try { var videosAllowed = optanonCategoryEnabled("OptanonConsent", "C0004"); var iFrames = Array.from(document.querySelectorAll("main iframe")); var langAttr = document.documentElement.lang.toLowerCase(); var englishMarkup = '<span class="c-prompt">This feature requires cookies <a class="review-cookie-settings" href="#">Open your cookie settings</a></span>'; var irishMarkup = '<span class="c-prompt">Tá fianáin ag teastáil don ghné seo <a class="review-cookie-settings" href="#">Oscail na socruithe fianán</a></span>'; for (var f = 0; f < iFrames.length; f++) { if (videosAllowed) { iFrames[f].parentNode.classList.remove("no-c0004"); } else { var nextSiblingClassName = ""; if (iFrames[f].nextSibling) { if (iFrames[f].nextSibling.nextElementSibling) { nextSiblingClassName = iFrames[f].nextSibling.nextElementSibling.className; } } if (nextSiblingClassName == "") { var markup = irishMarkup; if (langAttr === "en") { markup = englishMarkup; } var node = document.createElement("span"); node.innerHTML = markup; node.classList.add("c-prompt-box"); iFrames[f].parentNode.appendChild(node); } iFrames[f].parentNode.classList.add("no-c0004"); } }//end for } catch (e) { console.error(e); } } function hasClass(elem, className) { return elem.className.split(' ').indexOf(className) > -1; } document.addEventListener('click', function (e) { var hasClass = e.target.className.split(' ').indexOf('review-cookie-settings') > -1; if (hasClass) { e.preventDefault(); //Show OneTrust banner OneTrust.ToggleInfoDisplay() } }, false); toggle_iFrames(); </script> <script type="text/javascript" src="/Theme/js/gulp_script.min.uglify.js?v=1732711194902"></script> <script type="text/javascript"> var isGulped = true; // Add a script element as a child of the body function initJS() { 'use strict'; //load jQuery //if browser is ie9 or older then returm document.addEventListener if (document.all && !window.atob) { return; } var jqTimer = setInterval(function () { if (window.jQuery) { //Conditional load of vue js for module listing tables if (typeof loadVue != 'undefined' && loadVue == true) { downloadJS("/Theme/js/vue/vue.js", function () { downloadJS("/Theme/js/vue/" + appFileName + "?v=1732711194902", function () { }); }); } //Conditional load of form validation js if (typeof loadFormValidation != 'undefined' && loadFormValidation == true) { downloadJS("/Theme/js/form-validation.js", function () { }); } onPageReady(); clearInterval(jqTimer); } }, 50); } $(document).ready(function () { if ($('#__EVENTTARGET').length <= 0 && $('#__EVENTARGUMENT').length <= 0) { $('#form1').prepend('<input type="hidden" name="__EVENTTARGET" id="__EVENTTARGET" value=""/> <input type="hidden" name="__EVENTARGUMENT" id="__EVENTARGUMENT" value = "" / > '); } if (typeof __doPostBack == 'undefined') { __doPostBack = function (eventTarget, eventArgument) { var theForm = document.forms['form1']; if (!theForm) { theForm = document.form1; } if (!theForm.onsubmit || (theForm.onsubmit() != false)) { theForm.__EVENTTARGET.value = eventTarget; theForm.__EVENTARGUMENT.value = eventArgument; theForm.submit(); } }; } }); </script> <script type="text/javascript"> var mobileSize = 640; var desktop = true; var mobile = false; function downloadJS(scriptSrc, callback) { 'use strict'; var element = document.createElement("script"); element.src = scriptSrc; element.onload = function () { callback(); }; document.body.appendChild(element); } // Check for browser support of event handling capability if (window.addEventListener) { window.addEventListener("load", initJS, false); } else if (window.attachEvent) { window.attachEvent("onload", initJS); } else { window.onload = initJS; } function onPageReady() { enquire.register("screen and (min-width: " + (mobileSize + 1) + "px)", { match: function () { desktop = true; mobile = false; screenChange_global(); }, unmatch: function () { desktop = false; } }); enquire.register("screen and (max-width: " + mobileSize + "px)", { match: function () { mobile = true; desktop = false; screenChange_global(); }, unmatch: function () { mobile = false; } }); //call page ready from all loaded files if (typeof (page_ready_megamenu_drill_down_cta_left) == "function") { page_ready_megamenu_drill_down_cta_left(); } if (typeof (page_ready_image_spotlight) == "function") { page_ready_image_spotlight(); } if (typeof (page_ready_multi_item_carousel) == "function") { page_ready_multi_item_carousel(); } if (typeof (page_ready_default) == "function") { page_ready_default(); } } function screenChange_global() { //call screen_change from all loaded files if (typeof (screen_change_megamenu_drill_down_cta_left) == "function") { screen_change_megamenu_drill_down_cta_left(); } if (typeof (screen_change_latest_tweets) == "function") { screen_change_latest_tweets(); } if (typeof (screen_change_image_spotlight) == "function") { screen_change_image_spotlight(); } if (typeof (screen_change_multi_item_carousel) == "function") { screen_change_multi_item_carousel(); } if (typeof (screen_change_default) == "function") { screen_change_default(); } } </script> <script> const parser = new DOMParser(); function prepareNav() { var index = 1; $('.publication-content h2:not(.H2exclude)').each(function () { $(this) .nextUntil("h2") .addBack() .wrapAll('<div id="content' + index + '" />'); createlink($(this).html(), '#content' + index); index++; }); var innerIndex = 0; $("#publicationLinks a").each(function () { var targetContent = $(this).attr("href"); var h3Count = $(targetContent + " h3:not(.H3exclude)").length; if (h3Count > 0) { var subLinks = ""; $('.publication-content ' + targetContent + ' h3:not(.H3exclude)').each(function () { $(this) .nextUntil("h3") .addBack() .wrapAll('<div id="subContent' + innerIndex + '" />'); subLinks += "<li><a href='#subContent" + innerIndex + "'>" + $(this).html() + "</a></li>" innerIndex++; }); subLinks = "<ul>" + subLinks + "</ul>" const subUL = parser.parseFromString(subLinks, "text/html"); document.querySelector("a[href='" + targetContent + "']").parentNode.appendChild(subUL.body.firstChild); } }).click(function () { $("#publicationLinks li").removeClass('active'); $(this).parent().addClass('active'); $("#publicationLinks > li > ul >li.active").parent().parent().addClass('active'); $("#collapsePublicationNav").collapse('hide'); }); var sectionIds = $('#publicationLinks a'); $(document).scroll(function () { sectionIds.each(function () { var container = $(this).attr('href'); var containerOffset = $(container).offset().top; var containerHeight = $(container).outerHeight(); var containerBottom = containerOffset + containerHeight; var scrollPosition = $(document).scrollTop(); if (scrollPosition < containerBottom - 20 && scrollPosition >= containerOffset - 20) { $(this).parent().addClass('active'); } else { $(this).parent().removeClass('active'); } }); }); } function createlink(text, link) { var anchor = "<li><a href='" + link + "'>" + text + "</a></li>"; const a = parser.parseFromString(anchor, "text/html"); document.getElementById('publicationLinks').appendChild(a.body.firstChild); } if ($(".publication-content").length > 0) { prepareNav(); } </script> <script type="text/javascript" class="optanon-category-C0004"> var jqTimer = setInterval(function () { if (window.jQuery) { downloadJS("/Theme/js/latest-tweets/twitter-post-fetcher.js", function () { downloadJS("/Theme/js/latest-tweets/scripts.js", function () { if (typeof (page_ready_latest_tweets) == "function") { page_ready_latest_tweets(); } }); }); clearInterval(jqTimer); } }, 50); </script> <script> var CludoSearch; (function () { var cludoSettings = { customerId: 3127 , engineId: 13638 , searchUrl: '/search-results', language: 'en', searchInputs: ['cludo-search-form', "cludo-search-form-top"], template: 'InlineBasic', focusOnResultsAfterSearch: true, type: 'inline', disableAutocomplete: true }; CludoSearch = new Cludo(cludoSettings); var isIrishSearch = false ; if (isIrishSearch) { CludoSearch.translateProvider.translations["en"]["did_you_mean"] = "An é <a href='' aria-label='A bhí i gceist agat {{value}}'><b>{{value}}</b></a> a bhí i gceist agat?"; CludoSearch.translateProvider.translations["en"]["your_search_on"] = " Torthaí cuardaigh ar '<b>{{value}}</b>': "; CludoSearch.translateProvider.translations["en"]["total_results"] = "<b>{{value}}</b>"; CludoSearch.translateProvider.translations["en"]["total_result"] = "<b>{{value}}</b>"; CludoSearch.translateProvider.translations["en"]["in_category"] = " sa chatagóir <b>{{value}}</b>"; CludoSearch.translateProvider.translations["en"]["and"] = " agus"; CludoSearch.translateProvider.translations["en"]["searched_instead"] = "<br />Torthaí ar <b>{{term}}</b> á léiriú ina ionad"; CludoSearch.translateProvider.translations["en"]["searched_instead_found"] = "agus fuarthas <b>{{value}}</b> toradh"; CludoSearch.translateProvider.translations["en"]["error"] = "<p style='color: red' class='cludo-error-message'>Ár leithscéal, tharla earráid.</p>"; CludoSearch.translateProvider.translations["en"]["no_search_term"] = "<div class='cludo-no-search-term'>Téarma cuardaigh de dhíth</div>"; CludoSearch.translateProvider.translations["en"]["overlay_close_button"] = "ESC nó"; CludoSearch.translateProvider.translations["en"]["load_more"] = "Taispeáin tuilleadh"; CludoSearch.translateProvider.translations["en"]["poweredBy_title"] = " Cuardaigh ar do shuíomh gréasáin - Cludo"; CludoSearch.translateProvider.translations["en"]["backToTop"] = "Ar ais go barr"; CludoSearch.translateProvider.translations["en"]["search_input_label"] = "Cuardaigh"; CludoSearch.translateProvider.translations["en"]["search_button_text"] = "Cuardaigh"; CludoSearch.translateProvider.translations["en"]["overlay_close_button_title"] = "Scoir an cuardach"; CludoSearch.translateProvider.translations["en"]["template_all_results"] = "Torthaí uile"; CludoSearch.translateProvider.translations["en"]["template_suggestions"] = "Moltaí"; CludoSearch.translateProvider.translations["en"]["template_search_results"] = " Torthaí Cuardaigh"; CludoSearch.translateProvider.translations["en"]["template_autocomplete_hint"] = "Moltaí uathchríochnaithe ar fáil. Úsáid na saigheada suas agus síos chun breathnú orthu agus úsáid an eochair iontrála chun ceann a roghnú."; CludoSearch.translateProvider.translations["en"]["related_searches_title"] = "Cuardaigh Ghaolmhara"; } CludoSearch.init(); })(); </script>   </body> </html>

CINXE.COM

Pan-European Pension Product Provider | Central Bank of Ireland