#2939122
céannacht an chreidiúnaí agus, i gcás inarb infheidhme, céannacht an idirghabhálaí creidmheasa lena mbaineann;
the identity of the creditor as well as, where applicable, of the credit intermediary involved;
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#2939685
Idirghabhálaí creidmheasa
Credit intermediary
#2938761
Sna cásanna sin, gnóthaítear leibhéal leordhóthanach cosanta tomhaltóirí fós ós rud é gur cheart don chreidiúnaí a bheith freagrach as a áirithiú go bhfaigheann an tomhaltóir an fhaisnéis réamhchonarthach iomlán ón idirghabhálaí creidmheasa, má chomhaontaíonn an creidiúnaí agus an t-idirghabhálaí creidmheasa amhlaidh, nó ar bhealach iomchuí éigin eile.
In those cases, a sufficient level of consumer protection is still achieved since the creditor should be responsible for ensuring that the consumer receives the full pre-contractual information, either from the credit intermediary, where the creditor and the credit intermediary so agree, or in some other appropriate manner.
#2938757
Ba cheart faisnéis chuimsitheach a thabhairt do thomhaltóirí sula dtabharfaidh siad comhaontú creidmheasa chun críche, is cuma cé acu atá nó nach bhfuil idirghabhálaí creidmheasa páirteach i margú an chreidmheasa.
Consumers should be given comprehensive information before they conclude a credit agreement, regardless of whether or not a credit intermediary is involved in the marketing of the credit.
#2939132
seoladh geografach, uimhir theileafóin agus seoladh ríomhphoist an chreidiúnaí agus, i gcás inarb infheidhme, seoladh geografach, uimhir theileafóin agus seoladh ríomhphoist an idirghabhálaí creidmheasa lena mbaineann.
the geographical address, telephone number and email address of the creditor as well as, where applicable, the geographical address, telephone number and email address of the credit intermediary involved.
#2939304
céannachtaí, seoltaí geografacha, uimhreacha teileafóin agus seoltaí ríomhphoist na bpáirtithe conarthacha agus, i gcás inarb infheidhme, céannacht agus seoladh geografach an idirghabhálaí creidmheasa lena mbaineann;
the identities, geographical addresses, telephone numbers and email addresses of the contracting parties as well as, where applicable, the identity and geographical address of the credit intermediary involved;
#2939486
Chun an sprioc sin a bhaint amach, féadfaidh na Ballstáit coimisiúin a íocann an creidiúnaí leis an idirghabhálaí creidmheasa a thoirmeasc freisin.
In order to achieve that goal, Member States may also ban commissions paid by the creditor to the credit intermediary.
#2939487
Féadfaidh na Ballstáit toirmeasc nó srianta a fhorchur ar íocaíochtaí ó thomhaltóir le creidiúnaí nó idirghabhálaí creidmheasa sula ndéanfar comhaontú creidmheasa a thabhairt i gcrích.
Member States may prohibit or impose restrictions on the payments from a consumer to a creditor or a credit intermediary prior to the conclusion of a credit agreement.
#2939547
aon táille is iníoctha ag an tomhaltóir leis an idirghabhálaí creidmheasa as seirbhísí a sholáthrófar a nochtadh don tomhaltóir;
disclose to the consumer any fees payable by the consumer to the credit intermediary for services to be provided;
#712757
“I gcás ina ndéanann an comhaontú creidmheasa tagairt do thagarmharc faoi mar a shainmhínítear é i bpointe 3 d'Airteagal 3(1) de Rialachán (AE) 2016/1011 ó Pharlaimint na hEorpa agus ón gComhairle, déanfaidh an creidiúnóir, nó i gcás inarb infheidhme, an t-idirmheánaí creidmheasa, ainm an tagarmhairc agus a riarthóra mar aon leis na himpleachtaí féideartha ar an tomhaltóir a sholáthar don tomhaltóir i ndoiciméad ar leithligh, a fhéadfar a chur i gceangal mar iarscríbhinn leis an bhfoirm don Fhaisnéis Chaighdeánach Eorpach um Chreidmheas Tomhaltóra.(2) In Airteagal 27(1), cuirtear an fhomhír seo a leanas isteach tar éis an dara fomhír:
‘Where the credit agreement references a benchmark as defined in point 3 of Article 3(1) of Regulation (EU) 2016/1011 of the European Parliament and of the Council, the name of the benchmark and of its administrator and the potential implications on the consumer shall be provided by the creditor, or where applicable, by the credit intermediary, to the consumer in a separate document, which may be annexed to the Standard European Consumer Credit Information form.(2) In Article 27(1), the following subparagraph is inserted after the second subparagraph:
#2003757
aon téarmaí agus coinníollacha a bhaineann le cearta creidiúnaí faoi chomhaontú creidmheasa, nó leis an gcomhaontú creidmheasa féin, a athchaibidliú leis an iasachtaí, i gcomhréir leis na treoracha a thugann an ceannaitheoir creidmheasa, i gcás nach idirghabhálaí creidmheasa é an seirbhíseoir creidmheasa mar a shainmhínítear in Airteagal 3, pointe (f), de Threoir 2008/48/CE nó in Airteagal 4, pointe (5), de Threoir 2014/17/AE;
renegotiating with the borrower, in accordance with national law, any terms and conditions related to a creditor’s rights under a credit agreement, or of the credit agreement itself, in line with the instructions given by the credit purchaser, where the credit servicer is not a credit intermediary as defined in Article 3, point (f), of Directive 2008/48/EC or in Article 4, point (5), of Directive 2014/17/EU;
#2938707
Ba cheart tomhaltóirí a chosaint ar chleachtais éagóracha nó mhíthreoracha, go háirithe i ndáil leis an bhfaisnéis a sholáthraíonn an creidiúnaí nó an t-idirghabhálaí creidmheasa, i gcomhréir le Treoir 2005/29/CE ó Pharlaimint na hEorpa agus ón gComhairle.
Consumers should be protected against unfair or misleading practices, in particular with respect to the information provided by the creditor or credit intermediary, in line with Directive 2005/29/EC of the European Parliament and of the Council.
#2938719
Ba cheart uimhir theileafóin agus seoladh ríomhphoist an chreidiúnaí agus, i gcás inarb infheidhme, an idirghabhálaí creidmheasa a chur in iúl freisin don tomhaltóir chun a chur ar a chumas dó nó ar a cumas di dul i dteagmháil leis an gcreidiúnaí nó leis an idirghabhálaí creidmheasa go tapa agus go héifeachtúil.
The creditor’s and, where applicable, credit intermediary’s telephone number and email address should also be communicated to the consumer to enable him or her to contact the creditor or the credit intermediary quickly and efficiently.
#2938747
I gcás ina soláthrófar faisnéis réamhchonarthach níos déanaí ná lá amháin sula mbeidh an tomhaltóir faoi cheangal ag aon chomhaontú creidmheasa nó ag aon tairiscint, ba cheart don chreidiúnaí agus, i gcás inarb infheidhme, an t-idirghabhálaí creidmheasa a mheabhrú don tomhaltóir, idir lá amháin agus seacht lá tar éis thabhairt i gcrích an chonartha nó, i gcás inarb infheidhme, tar éis don tomhaltóir an tairiscint chreidmheasa cheangailteach a thíolacadh, go bhfuil an deis ag an tomhaltóir tarraingt siar as an gcomhaontú creidmheasa.
In the event that pre-contractual information is provided less than one day before the consumer is bound by any credit agreement or offer, the creditor and, where applicable, the credit intermediary should remind the consumer, between one and seven days after the conclusion of the contract or, where applicable, the submission of the binding credit offer by the consumer, of the possibility to withdraw from the credit agreement.
#2938792
Thairis sin, ba cheart don chreidiúnaí agus don idirghabhálaí creidmheasa léiriú a sholáthar ar an táille is iníoctha ag an tomhaltóir as na seirbhísí comhairleacha nó, i gcás nach féidir an méid a shuí tráth an nochta, an modh a úsáidtear lena ríomh.
Moreover, the creditor and the credit intermediary should provide an indication of the fee payable by the consumer for the advisory services or, where the amount cannot be established at the time of disclosure, the method used for its calculation.
#2938893
Leis an gcreat de chuid an Aontais is infheidhme, ba cheart an mhuinín a thabhairt do thomhaltóirí go gcuireann creidiúnaithe agus idirghabhálaithe creidmheasa leasanna an tomhaltóra san áireamh, lena n-áirítear a leochaileacht fhéideartha agus na deacrachtaí a d’fhéadfadh a bheith acu maidir leis an táirge a thuiscint, bunaithe ar an bhfaisnéis atá ar fáil don chreidiúnaí nó don idirghabhálaí creidmheasa ag an am ábhartha agus ar thoimhdí réasúnacha maidir le rioscaí do staid an tomhaltóra thar théarma an chomhaontaithe creidmheasa a bheartaítear.
The applicable Union framework should give consumers the confidence that creditors and credit intermediaries take account of the interests of the consumer, including their possible vulnerability and difficulties in understanding the product, based on the information available to the creditor or the credit intermediary at the relevant time and on reasonable assumptions about risks to the consumer’s situation over the term of the proposed credit agreement.
#2938931
Ba cheart an méid sin a bheith gan dochar do phróisis náisiúnta iontrála nó do shocruithe clárúcháin nó maoirseachta náisiúnta a fhorchuirtear ar institiúidí íocaíochta agus ar institiúidí airgid leictreonaigh chun críocha creidmheas a dheonú do thomhaltóirí agus a fhorchuirtear ar institiúidí creidmheasa chun críocha gníomhaíochtaí idirghabhálaí creidmheasa i gcomhréir le dlí an Aontais.
This should be without prejudice to national admission processes and registration or supervision arrangements imposed on payment institutions and electronic money institutions for the purpose of granting credit to consumers and imposed on credit institutions for the purpose of credit intermediary activities in compliance with Union law.
#2938935
Dá bhrí sin, ba cheart do na Ballstáit a bheith saor i gcónaí chun oibleagáidí breise ar idirghabhálaithe creidmheasa a choinneáil ar bun nó a thabhairt isteach, lena n-áirítear na coinníollacha faoina bhféadfaidh idirghabhálaí creidmheasa táillí a fháil ó thomhaltóir a d’iarr seirbhís an idirghabhálaí creidmheasa sin.
Member States should therefore remain free to maintain or introduce additional obligations incumbent on credit intermediaries, including the conditions under which a credit intermediary may receive fees from a consumer who has requested that credit intermediary’s service.
#2939040
ciallaíonn ‘idirghabhálaí creidmheasa’ duine nádúrtha nó dlítheanach nach bhfuil ag gníomhú mar chreidiúnaí ná nótaire ná nach gcuireann tomhaltóir i láthair creidiúnaí, agus sin amháin, agus a dhéanann an méid seo a leanas, le linn thrádáil, ghnó nó ghairm an duine sin, ar luach saothair, a fhéadfaidh a bheith i bhfoirm airgid nó aon fhoirm chomhaontaithe eile de chomaoin airgeadais:
‘credit intermediary’ means a natural or legal person that is not acting as a creditor or notary and not merely introducing, either directly or indirectly, a consumer to a creditor, and who, in the course of that person’s trade, business or profession, for remuneration, which may take a pecuniary form or any other agreed form of financial consideration:
#2939115
Ceanglóidh na Ballstáit go ndéanfaidh an creidiúnaí agus, i gcás inarb infheidhme, an t-idirghabhálaí creidmheasa an fhaisnéis réamhchonarthach shoiléir agus intuigthe a sholáthar don tomhaltóir, ar faisnéis í is gá chun tairiscintí éagsúla a chur i gcomparáid le chéile chun cinneadh eolasach a dhéanamh maidir le comhaontú creidmheasa a thabhairt i gcrích ar bhonn na dtéarmaí agus na gcoinníollacha maidir le creidmheas a thairgeann an creidiúnaí agus, más infheidhme, na roghanna atá curtha in iúl agus an fhaisnéis atá soláthartha ag an tomhaltóir.
Member States shall require that the creditor and, where applicable, the credit intermediary provide the consumer with the clear and comprehensible pre-contractual information needed to compare different offers in order to take an informed decision on whether to conclude a credit agreement on the basis of the credit terms and conditions offered by the creditor and, where applicable, the preferences expressed and information supplied by the consumer.
#2939117
I gcás ina soláthrófar an fhaisnéis réamhchonarthach dá dtagraítear sa chéad fhomhír den mhír seo i dtréimhse is gairide ná lá amháin sula mbeidh an tomhaltóir faoi cheangal ag an gcomhaontú creidmheasa nó ag an tairiscint, ceanglóidh na Ballstáit ar an gcreidiúnaí agus, i gcás inarb infheidhme, ar an idirghabhálaí creidmheasa meabhrúchán a sheoladh chuig an tomhaltóir á rá gur féidir tarraingt siar as an gcomhaontú creidmheasa agus faoin nós imeachta atá le leanúint chun tarraingt siar, i gcomhréir le hAirteagal 26.
In the event that the pre-contractual information referred to in the first subparagraph of this paragraph is provided less than one day before the consumer is bound by the credit agreement or offer, Member States shall require that the creditor and, where applicable, the credit intermediary send a reminder to the consumer of the possibility to withdraw from the credit agreement and of the procedure to follow for withdrawing, in accordance with Article 26.
#2939159
Sa chás sin, déanfaidh an creidiúnaí agus, i gcás inarb infheidhme, an t-idirghabhálaí creidmheasa an fhoirm maidir le Faisnéis Chaighdeánach Eorpach um Chreidmheas Tomhaltóra a sholáthar don tomhaltóir ar mheán marthanach díreach tar éis an comhaontú creidmheasa a thabhairt i gcrích.
In such case, the creditor and, where applicable, the credit intermediary shall provide the consumer with the Standard European Consumer Credit Information form on a durable medium immediately after the conclusion of the credit agreement.
#2939160
Arna iarraidh sin don tomhaltóir, déanfaidh an creidiúnaí agus, i gcás inarb infheidhme, an t-idirghabhálaí creidmheasa, i dteannta na foirme maidir le Faisnéis Chaighdeánach Eorpach um Chreidmheas Tomhaltóra, cóip den dréacht-chomhaontú creidmheasa ar pháipéar nó ar mheán marthanach eile a sholáthar don tomhaltóir saor in aisce, ar choinníoll go bhfuil an creidiúnaí toilteanach, tráth na hiarrata, dul ar aghaidh le tabhairt i gcrích an chomhaontaithe creidmheasa leis an tomhaltóir.
Upon request from the consumer, the creditor and, where applicable, the credit intermediary shall, in addition to the Standard European Consumer Credit Information form, provide the consumer free of charge with a copy of the draft credit agreement on paper or on another durable medium, provided that the creditor, at the time of the request, is willing to proceed to the conclusion of the credit agreement with the consumer.
#2939161
I gcás comhaontú creidmheasa faoin arb amhlaidh nach n-eascraíonn amúchadh comhfhreagrach láithreach ar an méid iomlán creidmheasa as íocaíochtaí a dhéanann an tomhaltóir, ach a úsáidtear na híocaíochtaí sin mar chaipiteal le linn tréimhsí agus faoi choinníollacha a leagtar síos sa chomhaontú creidmheasa, nó i gcomhaontú coimhdeach, áireoidh an creidiúnaí agus, i gcás inarb infheidhme, an t-idirghabhálaí creidmheasa san fhaisnéis réamhchonarthach dá dtagraítear i mír 1 ráiteas soiléir agus gonta nach ndéantar foráil sna comhaontuithe creidmheasa sin maidir le ráthaíocht go n-aisíocfar an méid iomlán creidmheasa a tharraingítear anuas faoin gcomhaontú creidmheasa mura rud é go dtugtar an ráthaíocht sin go sainráite.
In the case of a credit agreement under which payments made by the consumer do not give rise to an immediate corresponding amortisation of the total amount of credit, but are used to constitute capital during periods and under conditions laid down in the credit agreement, or in an ancillary agreement, the creditor and, where applicable, the credit intermediary shall in the pre-contractual information referred to in paragraph 1 include a clear and concise statement that such credit agreements do not provide for a guarantee of repayment of the total amount of credit drawn down under the credit agreement, unless such a guarantee is given expressly.
#2939184
Sa chás sin, déanfaidh an creidiúnaí agus, i gcás inarb infheidhme, an t-idirghabhálaí creidmheasa an fhoirm maidir le Faisnéis Eorpach um Chreidmheas Tomhaltóra a sholáthar don tomhaltóir ar mheán marthanach díreach tar éis an comhaontú creidmheasa a thabhairt i gcrích.
In such case, the creditor and, where applicable, the credit intermediary shall provide the consumer with the European Consumer Credit Information form on a durable medium immediately after the conclusion of the credit agreement.
#2939185
Arna iarraidh sin don tomhaltóir, déanfaidh an creidiúnaí agus, i gcás inarb infheidhme, an t-idirghabhálaí creidmheasa, i dteannta na foirme maidir le Faisnéis Eorpach um Chreidmheas Tomhaltóra, cóip den dréacht-chomhaontú creidmheasa a sholáthar don tomhaltóir saor in aisce, ar choinníoll go bhfuil an creidiúnaí, tráth na hiarrata, toilteanach dul ar aghaidh le tabhairt i gcrích an chomhaontaithe creidmheasa leis an tomhaltóir.
Upon request from the consumer, the creditor and, where applicable, the credit intermediary shall, in addition to the European Consumer Credit Information form, provide the consumer free of charge with a copy of the draft credit agreement, provided that the creditor, at the time of the request, is willing to proceed to the conclusion of the credit agreement with the consumer.
#2939225
Ceanglóidh na Ballstáit go ndéanfaidh an creidiúnaí agus, i gcás inarb infheidhme, an t-idirghabhálaí creidmheasa an tomhaltóir a chur ar an eolas go sainráite, i gcomhthéacs idirbheart ar leith, maidir le cibé acu atá nó nach bhfuil seirbhísí comhairleacha á soláthar, nó is féidir nó nach féidir iad a sholáthar, don tomhaltóir.
Member States shall require that the creditor and, where applicable, the credit intermediary explicitly inform the consumer, in the context of a given transaction, whether advisory services are being or can be provided to the consumer.
#2939226
Ceanglóidh na Ballstáit go ndéanfaidh an creidiúnaí agus, i gcás inarb infheidhme, an t-idirghabhálaí creidmheasa, roimh sholáthar seirbhísí comhairleacha nó tabhairt i gcrích conartha maidir le soláthar na seirbhísí sin, an fhaisnéis seo a leanas a sholáthar don tomhaltóir ar pháipéar nó ar mheán marthanach eile arna roghnú ag an tomhaltóir:
Member States shall require that the creditor and, where applicable, the credit intermediary, before the provision of advisory services or the conclusion of a contract for the provision of such services, provide the consumer with the following information on paper or another durable medium chosen by the consumer:
#2939231
an fhaisnéis riachtanach a fháil maidir le staid airgeadais, roghanna agus cuspóirí an tomhaltóra i ndáil leis an gcomhaontú creidmheasa, le go bhféadfaidh an creidiúnaí nó an t-idirghabhálaí creidmheasa comhaontuithe creidmheasa a mholadh atá oiriúnach don tomhaltóir;
obtain the necessary information regarding the consumer’s financial situation, preferences and objectives related to the credit agreement, in order for the creditor or the credit intermediary to recommend credit agreements that are suitable to the consumer;
#2939472
Ceanglóidh na Ballstáit go ngníomhóidh an creidiúnaí agus an t-idirghabhálaí creidmheasa ar bhealach macánta, cóir, trédhearcach agus gairmiúil agus go gcuirfidh siad cearta agus leasanna na dtomhaltóirí san áireamh le linn aon cheann de na gníomhaíochtaí seo a leanas a dhéanamh:
Member States shall require that the creditor and the credit intermediary act honestly, fairly, transparently and professionally and take account of the rights and interests of the consumers when carrying out any of the following activities:
#2939788
Leis na mínithe i gcló iodálach, ba cheart go gcabhrófaí leis an tomhaltóir tuiscint níos fearr a fháil ar na figiúirí.Tugtar mínithe don chreidiúnaí nó don idirghabhálaí creidmheasa leis na léirithe atá idir lúibíní cearnacha agus ní mór an fhaisnéis chomhfhreagrach a chur ina n-ionad.
The explanations in italics should help the consumer to better understand the figures.Indications between square brackets provide explanations for the creditor or the credit intermediary and must be replaced with the corresponding information.