Consumer Hub | Central Bank of Ireland

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href="https://www.centralbank.ie/ga/tomhaltoiri">GAEILGE</a> </nav> </div><section class="sf_cols padding-bottom-more bg-overview"> <div id="MainContentPlaceholder_T981C3533007_Col00" class="sf_colsIn container" data-placeholder-label="Header"> <div class="mobile-menu-wrapper"> <nav aria-labelledby="mobile-nav"> <h3 class="sr-only" id="mobile-nav">In this Section</h3> <div class="sidebar-mobile-menu visible-xs"> <a href="#">Consumer Hub</a> <ul> <li class=""><a href="/consumer-hub/explainers" target="_self">Explainers</a></li> <li class=""><a href="/consumer-hub/buying-insurance" target="_self">Buying insurance</a></li> <li class=""><a href="/consumer-hub/saving-your-money" target="_self">Saving your money</a></li> <li class=""><a href="/consumer-hub/investing-your-money-consumer-faq" target="_self">Investing your money</a></li> <li class=""><a href="/consumer-hub/short-term-credit" target="_self">Short-term credit </a></li> <li class=""><a href="/consumer-hub/mortgages-and-financial-difficulty" target="_self">Mortgages and Financial Difficulty</a></li> <li class=""><a href="/consumer-hub/crypto-consumer-information" target="_self">Crypto</a></li> <li class=""><a href="/consumer-hub/scams" target="_self">Scams</a></li> <li class=""><a href="/consumer-hub/notes-and-coins" target="_self">Banknotes and Coins</a></li> <li class=""><a href="/consumer-hub/unauthorised-firms" target="_self">Unauthorised Firms</a></li> <li class=""><a href="/consumer-hub/deposit-guarantee-scheme" target="_self">Deposit Guarantee Scheme</a></li> <li class=""><a href="/consumer-hub/mortgage-measures" target="_self">Mortgage Measures</a></li> <li class=""><a href="/consumer-hub/consumer-guides" target="_self">Consumer Guides and Surveys</a></li> <li class=""><a href="/consumer-hub/central-credit-register" target="_self">Central Credit Register</a></li> <li class=""><a href="/consumer-hub/consumer-notices" target="_self">Warnings and Alerts</a></li> <li class=""><a href="/consumer-hub/rounding" target="_self">Rounding</a></li> <li class=""><a href="/consumer-hub/tracker-mortgage-examination" target="_self">Tracker Mortgage Examination</a></li> <li class=""><a href="/consumer-hub/irish-government-bonds" target="_self">Irish Government Bonds and Treasury Bills</a></li> <li class=""><a href="/consumer-hub/word-on-the-street" target="_self">Word on the Street</a></li> <li class=""><a href="/consumer-hub/contacts-and-complaints" target="_self">Contacts and Complaints</a></li> <li class=""><a href="/consumer-hub/using-a-financial-broker" target="_self">Using a financial broker</a></li> </ul> </div> </nav> </div> <div id="MainContentPlaceholder_C058_Col00" class="sf_colsIn container" data-sf-element="Container"> <h1>Consumer Hub</h1> </div> <div class="sf_cols row TwoCols8-4"> <div id="MainContentPlaceholder_T981C3533013_Col00" class="sf_colsIn col-sm-8" data-placeholder-label="Column 1"><div class="spotlight fixed-lines spotlight-wide "> <img src="/images/default-source/consumer-hub/wide-spotlights/istock-520413312-consumerhub.png?sfvrsn=11a4db1d_2" alt="iStock-520413312-ConsumerHub" /> <div class="spotlight-content "> <span class="spotlight-title">What we do – protect, explain, enlighten</span> <p> How does the Central Bank work to protect you in your dealings with financial services firms? How do we safeguard your currency and the financial system? On Consumer Hub, you will find answers to the questions most often asked of us. We also have links to more information on banknotes and coins. </p> </div> </div> </div> <div id="MainContentPlaceholder_T981C3533013_Col01" class="sf_colsIn col-sm-4" data-placeholder-label="Column 2"><a href="/consumer-hub/notes-and-coins" class="cta-btn-primary"> Banknotes and Coins </a><a href="http://registers.centralbank.ie/" class="cta-btn-primary"> Register of Regulated Firms </a><a href="/contact-us" class="cta-btn-primary"> Contact Us </a> </div> </div> <div class="sf_cols row header-three-cols-sec"> <div class="equal-height"> <div id="MainContentPlaceholder_T981C3533014_Col00" class="sf_colsIn col-sm-4" data-placeholder-label="Column 1"><div class="spotlight fixed-lines spotlight-horizontal"> <img src="/images/default-source/small-spotlights-homepage/456x352-scam-artist-small-spot.jpg?sfvrsn=509d671a_3" alt="Can you spot a scam artist?" /> <div class="spotlight-content "> <span class="spotlight-label">Campaign</span> <a href="/consumer-hub/explainers/how-can-i-avoid-a-financial-services-scam" > <h4 class="spotlight-title">Can you spot a scam artist?</h4> </a> </div> </div> </div> <div id="MainContentPlaceholder_T981C3533014_Col01" class="sf_colsIn col-sm-4" data-placeholder-label="Column 2"><div class="spotlight fixed-lines spotlight-horizontal"> <img src="/images/default-source/consumer-hub/small-spotlights/crypto.jpg?sfvrsn=5aa4621a_4" alt="Woman looking at two computer screens" /> <div class="spotlight-content "> <span class="spotlight-label">Consumers</span> <a href="/consumer-hub/crypto-consumer-information" > <h4 class="spotlight-title">Crypto</h4> </a> </div> </div> </div> <div id="MainContentPlaceholder_T981C3533014_Col02" class="sf_colsIn col-sm-4" data-placeholder-label="Column 3"><div class="spotlight fixed-lines spotlight-horizontal"> <img src="/images/default-source/careers-images/small-spotlights/small-spot-456x352.jpg?sfvrsn=2b04671a_1" alt="Man holding dog" /> <div class="spotlight-content "> <span class="spotlight-label">Word on the Street</span> <a href="https://www.centralbank.ie/consumer-hub/word-on-the-street" > <h4 class="spotlight-title">Word on the Street Season 3</h4> </a> </div> </div> </div> </div> </div> </div> </section><div class="container section-landing"> <div class="sf_cols row"> <div id="MainContentPlaceholder_T981C3533015_Col00" class="sf_colsIn col-sm-8 main-content" data-placeholder-label="Main Content"> <h2>Consumer explainers - answering the questions most often asked of us</h2> <div class="panel panel-default standard-accordion"> <div class="panel-heading" id="heading-Consumers-99d5fcf8-1901-4895-8473-f3ceda4b97e8"> <div class="panel-title"> <a class="collapsed gtm-expanding" role="button" data-toggle="collapse" href="#Consumers-99d5fcf8-1901-4895-8473-f3ceda4b97e8" aria-expanded="false" aria-controls="Consumers-99d5fcf8-1901-4895-8473-f3ceda4b97e8"> <strong class="gtm-expanding">Consumers</strong> <small> What do I need to know about using a retail intermediary/financial broker? </small> </a> </div> </div> <div id="Consumers-99d5fcf8-1901-4895-8473-f3ceda4b97e8" class="panel-collapse collapse " role="tabpanel" aria-labelledby="heading-Consumers-99d5fcf8-1901-4895-8473-f3ceda4b97e8" aria-expanded="false" style="height: 0px;"> <div class="panel-body"> <p>What do I need to know about using a retail intermediary/financial broker?</p> <p><a href="/consumer-hub/explainers/what-do-i-need-to-know-about-using-a-retail-intermediary-financial-broker">Read the full explainer</a></p> </div> </div> </div> <div class="panel panel-default standard-accordion"> <div class="panel-heading" id="heading-The-economy-1f0ebc0b-3e0d-45fc-93f4-1042eeb23dcc"> <div class="panel-title"> <a class="collapsed gtm-expanding" role="button" data-toggle="collapse" href="#The-economy-1f0ebc0b-3e0d-45fc-93f4-1042eeb23dcc" aria-expanded="false" aria-controls="The-economy-1f0ebc0b-3e0d-45fc-93f4-1042eeb23dcc"> <strong class="gtm-expanding">The economy</strong> <small> What is a special purpose entity? </small> </a> </div> </div> <div id="The-economy-1f0ebc0b-3e0d-45fc-93f4-1042eeb23dcc" class="panel-collapse collapse " role="tabpanel" aria-labelledby="heading-The-economy-1f0ebc0b-3e0d-45fc-93f4-1042eeb23dcc" aria-expanded="false" style="height: 0px;"> <div class="panel-body"> <p>A Special Purpose Entity (SPE) is a company specially created to fulfil a narrow, specific purpose. </p> <p><a href="/consumer-hub/explainers/what-is-a-special-purpose-entity">Read the full explainer </a></p> </div> </div> </div> <div class="panel panel-default standard-accordion"> <div class="panel-heading" id="heading-Our-role-5a903710-95be-4c83-9733-f98b7acbbe69"> <div class="panel-title"> <a class="collapsed gtm-expanding" role="button" data-toggle="collapse" href="#Our-role-5a903710-95be-4c83-9733-f98b7acbbe69" aria-expanded="false" aria-controls="Our-role-5a903710-95be-4c83-9733-f98b7acbbe69"> <strong class="gtm-expanding">Our role</strong> <small> How does the Central Bank of Ireland supervise firms and investigate potential wrongdoing? </small> </a> </div> </div> <div id="Our-role-5a903710-95be-4c83-9733-f98b7acbbe69" class="panel-collapse collapse " role="tabpanel" aria-labelledby="heading-Our-role-5a903710-95be-4c83-9733-f98b7acbbe69" aria-expanded="false" style="height: 0px;"> <div class="panel-body"> <p>Find out more in our animated explainer.</p> <p>Watch our <a href="/consumer-hub/explainers/animated-explainer-series/how-does-the-central-bank-of-ireland-supervise-firms-and-investigate-potential-wrongdoing">video</a>.</p> </div> </div> </div><p><a href="/consumer-hub/explainers">Read all of our explainers</a>.</p> <div class="sf_cols consumer-hub-small-spotlight-wrapper consumer-hub-grid-sec"> <div id="MainContentPlaceholder_T981C3533023_Col00" class="sf_colsIn equal-height" data-placeholder-label="Consumer Hub Spotlights"><div class="col-sm-3"> <div class="spotlight 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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. 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