1. Home
  2. Acts
  3. 2004
  4. Click on title below to return to Act

Updated to 23 October 2025 (Act No. 10 of 2025 and S.I. No. 506 of 2025)

Central Bank and Financial Services Authority of Ireland Act 2004
No. 21 of 2004

Contents

Commencement

Section Commencement/Effective Date
Where the commencement and effective dates differ, the effective date is shown below.
 Commencement Information
Ss. 1-9 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(a)
S. 10(1) 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(a)
S. 10(2) See sch. 1
S. 10(3) See sch. 2
Ss. 11-15 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(a)
S. 16 except insofar as it relates to Central Bank Act 1942 (22/1942), part VIIB chapters 4-6 1 October 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 2(a)
S. 16 insofar as it relates to Central Bank Act 1942 (22/1942), part VIIB chapter 4 1 January 2005 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 3(a)
S. 16 insofar as it relates to Central Bank Act 1942 (22/1942), part VIIB chapters 5, 6 1 April 2005 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 4
S. 17 1 October 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 2(b)
Ss. 18-21 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(a)
Ss. 22, 23 1 October 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 2(b)
Ss. 24-26 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(a)
S. 27 1 January 2005 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 3(b)
Ss. 28-32 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(a)
S. 33 See sch. 3
Ss. 34, 35 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(x)
Sch. 1 part 1 item 1 except insofar as it relates to Central Bank Act 1971 (24/1971), s. 21(3)(b) and s. 10(2) in its application to that item 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(c)
Sch. 1 part 1 item 1 insofar as it relates to Central Bank Act 1971 (24/1971), s. 21(3)(b) and s. 10(2) in its application to that item Not yet commenced. Requires commencement order under s. 1(2).
Sch. 1 parts 2, 3 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(b)
Sch. 1 part 4 items 1-14 and s. 10(2) in its application to those items 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(d)
Sch. 1 part 4 item 15 except insofar as it relates to Stock Exchange Act 1995 (9/1995), sch. 1 paras. 2, 3 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(e)
Sch. 1 part 4 item 15 insofar as it relates to Stock Exchange Act 1995 (9/1995), sch. 1 paras. 2, 3 Not yet commenced. Requires commencement order under s. 1(2).
Sch. 1 part 5 items 1-13 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(f)
Sch. 1 part 5 item 14 except insofar as it relates to Investment Intermediaries Act 1995 (11/1995), sch. 1 paras. 2, 3 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(g)
Sch. 1 part 5 item 14 insofar as it relates to Investment Intermediaries Act 1995 (11/1995), sch. 1 paras. 2, 3 Not yet commenced. Requires commencement order under s. 1(2)
Sch. 1 part 6 item 1 except insofar as it relates to Consumer Credit Act 1995 (24/1995), a. 93(18) 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(h)
Sch. 1 part 6 item 1 insofar as it relates to Consumer Credit Act 1995 (24/1995), s. 93(18) Not yet commenced. Requires commencement order under s. 1(2)
Sch. 1 part 6 item 2 except insofar as it relates to Consumer Credit Act 1995 (24/1995), s. 116(18) 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(i)
Sch. 1 part 6 item 2 insofar as it relates to Consumer Credit Act 1995 (24/1995), s. 116(18) Not yet commenced. Requires commencement order under s. 1(2)
Sch. 1 part 7 items 1-6 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(j)
Sch. 1 part 7 item 7 except insofar as it relates to Credit Union Act 1997 (15/1997), s. 99(2) 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(k)
Sch. 1 part 7 item 7 insofar as it relates to Credit Union Act 1997 (15/1997), s. 99(2) Not yet commenced. Requires commencement order under s. 1(2)
Sch. 1 part 7 item 8 except insofar as it relates to Credit Union Act 1997 (15/1997), sch. 4 para. 1(b) 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(l)
Sch. 1 part 7 item 8 insofar as it relates to Credit Union Act 1997 (15/1997), sch. 4 para. 1(b) Not yet commenced. Requires commencement order under s. 1(2)
Sch. 1 part 7 item 9 Not yet commenced. Requires commencement order under s. 1(2)
Sch. 1 part 8 items 1, 2 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(m)
Sch. 1 part 8 item 3 except insofar as it relates to Investor Compensation Act 1998 (37/1998), s. 28(2)  1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(n)
Sch. 1 part 8 item 3 insofar as it relates to Investor Compensation Act 1998 (37/1998), s. 28(2)  Not yet commenced. Requires commencement order under s. 1(2)
Sch. 1 part 8 item 4 except insofar as it relates to Investor Compensation Act 1998 (37/1998), s. 31(3)(b) 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(o)
Sch. 1 part 8 item 4 insofar as it relates to Investor Compensation Act 1998 (37/1998), s. 31(3)(b) Not yet commenced. Requires commencement order under s. 1(2)
Sch. 1 part 8 item 5 except insofar as it relates to Investor Compensation Act 1998 (37/1998), sch. 2 para. 2(b) 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(p)
Sch. 1 part 8 item 5 insofar as it relates to Investor Compensation Act 1998 (37/1998), sch. 2 para. 2(b) Not yet commenced. Requires commencement order under s. 1(2)
Sch. 1 part 9 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(q)
Sch. 2 parts 1-8 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(r)
Sch. 2 part 9 item 1 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(s)
Sch. 2 part 9 item 2 except insofar as it relates to European Communities (Undertakings for Collective Investment in Transferable Securities) Regulations 2003 (S.I. No. 51 of 2003), reg. 104(7)(b) 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(t)
Sch. 2 part 9 item 2 insofar as it relates to European Communities (Undertakings for Collective Investment in Transferable Securities) Regulations 2003 (S.I. No. 51 of 2003), reg. 104(7)(b) Not yet commenced. Requires commencement order under s. 1(2)
Sch. 2 part 9 item 3 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(s)
Sch. 3 part 1 item 1 Not yet commenced. Requires commencement order under s. 1(2)
Sch. 3 part 1 item 2 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(u)
Sch. 3 parts 2-4 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(u)
Sch. 3 part 5 1 October 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 2(c)
Sch. 3 parts 6-11 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(u)
Sch. 3 part 12 item 1 except insofar as it relates to the substitution of the definition of "mortgage intermediary" in Consumer Credit Act 1995 (24/1995), s. 22 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(v)
Sch. 3 part 12 item 1 insofar as it relates to the substitution of the definition of "mortgage intermediary" in Consumer Credit Act 1995 (24/1995), s. 22 1 January 2005 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 3(c)
Sch. 3 part 12 items 2-5 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(u)
Sch. 3 part 13 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(u)
Sch. 3 part 14 item 1 1 January 2005 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 3(d)
Sch. 3 part 14 item 2 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(u)
Sch. 3 part 14 items 3-5 Not yet commenced. Requires commencement order under s. 1(2)
Sch. 3 part 15 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(u)
Sch. 4 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(x)
Sch. 5 1 August 2004 Central Bank and Financial Services Authority of Ireland Act 2004 (Commencement) Order 2004 (S.I. No. 455 of 2004), art. 2 & schedule part 1(x)

Amendments and other effects

How Affected Affecting Provision Affecting Provision Commencement/Effective Date
Where the commencement and effective dates differ, the effective date is shown below.
 Commencement Source
References to the Financial Services Ombudsman, the Deputy Financial Services Ombudsman or the Pensions Ombudsman shall, on and after the establishment day, be construed as Financial Services and Pensions Ombudsman 22/2017, s. 29(3) 1 January 2018 Financial Services and Pensions Ombudsman Act 2017 (Commencement) Order 2017 (S.I. No. 524 of 2017), art. 2
S. 5 references to "Financial Services Ombudsman Bureau" construed as "Financial Services and Pensions Ombudsman" 22/2017, s. 29 1 January 2018 Financial Services and Pensions Ombudsman Act 2017 (Commencement) Order 2017 (S.I. No. 524 of 2017), art. 2
S. 16 references to "Financial Services Ombudsman Bureau" construed as "Financial Services and Pensions Ombudsman" 22/2017, s. 29 1 January 2018 Financial Services and Pensions Ombudsman Act 2017 (Commencement) Order 2017 (S.I. No. 524 of 2017), art. 2
S. 16 references to "Financial Services Ombudsman Council" construed as "Financial Services and Pensions Ombudsman Council"  22/2017, s. 29(2) 1 January 2018 Financial Services and Pensions Ombudsman Act 2017 (Commencement) Order 2017 (S.I. No. 524 of 2017), art. 2

SIs made under the Act

SectionSIs made under the Act
None