We track 22 General updates from Ireland regulators, published by CBI. The archive covers 7 speeches, 6 news items and 3 warnings. Most recent update: November 2026. Coverage runs from 2018 to 2026.
The main objectives of the Central Bank’s current strategy are to make the Bank more resilient, responsive and forward-looking, allowing it to adapt to a challenging external environment and to assume new legislative responsibilities. Part of this strategy is also a commitment to manage core operating costs, which has…
Why this matters
The document is a press release about the Central Bank's internal strategy, including a €75 million expenditure reduction to 2030, a planned reduction of about 120–140 roles, and a voluntary severance scheme.
In his latest blog, Governor Gabriel Makhlouf discusses ECB Governing Council's decision to not change interest rates, as well as the IMF Annual Meeting in Bangkok, Thailand.
Why this matters
The document is an official blog post by the Central Bank of Ireland Governor, so it is classified as a speech. It covers monetary policy (the unchanged 2.5% Deposit Facility Rate, data-dependent guidance, and a December watch list), IMF Global Financial Stability Report themes, and planned publications on...
Opening Remarks by Director of Horizontal Supervision, Patricia Dunne at "Moving the Dial on Customer Experience", a Central Bank of Ireland Seminar.
Why this matters
The document is remarks by a named Central Bank official (Director of Horizontal Supervision) opening a seminar, so it is classified as a speech. It covers retail financial services across banking, insurance, investment, payments and intermediaries, so the sector is General.
Today, the Irish Financial Services Appeals Tribunal (IFSAT) has published its decision in the appeal by Mr David Guinane of the Central Bank Inquiry Decision dated 23 April 2025 concerning permanent tsb plc (PTSB) and Mr David Guinane. The decision of IFSAT was to uphold Mr Guinane’s appeal and overturn the Inquiry…
AI Analysis
The Irish Financial Services Appeals Tribunal upheld David Guinane’s appeal and overturned the Central Bank inquiry decision that he had participated in permanent tsb plc’s breach of the Consumer Protection Code 2006. The Tribunal reportedly identified fundamental errors of law, ultra vires and unreasonable decision-making, inadequate fair notice and insufficient reasons; the Central Bank will not appeal, although it must apply to the High Court for confirmation. The outcome removes the €80,000 fine and reprimand against Mr Guinane and may affect how the Central Bank structures future individual enforcement cases arising from historic conduct.
Key dates
2019-05-30
The Central Bank’s ASP investigation into PTSB concluded; PTSB had admitted 42 regulatory breaches and received a €21 million fine and reprimand.
2023-12-01
The Central Bank published ASP Guidelines providing further detail on its inquiry process; the exact publication day is not specified in the source, so this date denotes December 2023 only.
2025-04-23
The Central Bank Inquiry Decision concerning PTSB and David Guinane was issued.
2026-10-22
IFSAT published its decision, upheld Mr Guinane’s appeal and overturned the Inquiry Decision; the Central Bank stated that it does not propose to appeal.
Suggested considerations
Compliance teams may wish to record the IFSAT outcome in enforcement-risk assessments and monitor the High Court confirmation process.
Banks and mortgage lenders may wish to review open or potential individual-enforcement matters involving historic conduct to confirm that the alleged contraventions, issues for determination, evidential basis and proposed sanctions have been clearly particularised and communicated.
Firms may wish to preserve governance records showing how customer-impact risks, escalation decisions, approvals and follow-up controls were assessed, particularly for tracker mortgage, conduct and legacy remediation matters.
Legal and compliance teams may wish to assess whether the reasoning reported in the decision has implications for ongoing Central Bank inquiries, including fair-notice, statutory-authority, procedural-fairness and reasons requirements.
Firms may wish to distinguish this case from the separate PTSB entity enforcement outcome: PTSB admitted 42 regulatory breaches and received a €21 million fine and reprimand in 2019, which this publication does not overturn.
Firms may wish to track the Central Bank’s external review of wider enforcement activities and any revisions to inquiry procedures, ASP guidance or Individual Accountability Framework implementation.
What changed
No new regulatory obligation or rule has been introduced for firms. The specific inquiry decision against Mr Guinane has been overturned, and the Central Bank does not propose to appeal the IFSAT findings. Independent reporting indicates that IFSAT found the inquiry process and reasoning legally defective, including failures to give fair notice of certain issues and to provide adequate reasons. The Central Bank will apply to the High Court for confirmation of the IFSAT decision under the Central Bank Act 1942.
Compliance impact
The immediate impact is case-specific: the individual sanction against Mr Guinane is overturned, while the separate 2019 PTSB entity sanction remains unaffected by this publication. The decision is nevertheless significant for Central Bank enforcement risk because independent reporting describes findings of fundamental legal and procedural defects, potentially increasing scrutiny of fair notice, statutory authority, evidence, reasoning and proportionality in individual accountability cases.
The document is a Central Bank of Ireland Markets Update whose title announces that T+1 settlement is one year away. The body is a placeholder with only a disclaimer, so the classification relies on the title. T+1 is a securities settlement cycle, which supports Capital Markets & Trading.
The 'Note: Complete article text' label indicates the body was not included, so the text supports no specific sector, topic, or obligation. The item is a periodic Markets Update newsletter, which falls under 'news' as an informational item.
In his latest blog, Governor Gabriel Makhlouf writes a letter addressing students of economics, sharing some of the knowledge he has acquired over his career to date.
Why this matters
This is a speech/letter from Gabriel Makhlouf (CBI Governor) addressed to economics students, offering reflections on the discipline of economics, the role of economists in policymaking, and practical advice for students entering the field.
Central Bank of Ireland today launched a €15 silver proof commemorative coin celebrating the literary legacy of beloved Irish author Maeve Binchy. The coin honours Maeve Binchy's contribution to literature and her enduring impact on readers worldwide. The coin will go on sale today (Friday 2 October 2026) at 12pm on…
Why this matters
The content is a press release announcing the Central Bank of Ireland's launch of a collector coin honoring author Maeve Binchy. It contains no regulatory requirements, guidance, enforcement actions, or policy signals. The coin is a non-circulating collector product issued on behalf of the Minister for Finance.
Good morning everyone, and welcome to North Wall Quay. It is good to see you all here. These roundtables have become an important part of how we work at the Central Bank. You all bring perspectives that help us understand how the financial system works for people in practice, and where it may be falling short. Colm…
Why this matters
This is an informational speech by the Central Bank Governor outlining broad strategic themes (demographic change, financial system resilience, climate transition, household welfare) and announcing future strategy development (2028-2032).
Central Bank of Ireland has today (Friday 25 September) launched a new €2 commemorative coin to celebrate U2, one of the world’s greatest bands, marking 50 years since their formation in 1976. The coin features an image of the four band members Adam Clayton, Bono, The Edge, and Larry Mullen Jr. It was designed by…
Why this matters
The content is a press release announcing the Central Bank of Ireland's launch of a U2 commemorative €2 coin. It contains no regulatory requirements, binding obligations, guidance, enforcement actions, or policy signals.
Good afternoon Cathaoirleach and members of the Committee. I am joined by Dr Thomas Conefrey, Head of Irish Economic Analysis, and we thank you for the opportunity to engage in advance of October’s Budget . Every day, train commuters across Ireland hear a familiar warning: mind the gap. This phrase aptly captures the…
Why this matters
This is an informational speech by a Central Bank official to a parliamentary committee on budgetary oversight. While it does not impose binding obligations, it articulates the Central Bank's formal position on fiscal sustainability risks, corporation tax revenue volatility, and recommended expenditure constraints.
Modified domestic demand (MDD) growth is being revised up modestly in 2026 to 3.8 per cent and to 3.4 per cent in 2027, supported by resilient consumer spending and multinational investment Headline inflation is projected to average 3.4 per cent in 2026, moderating to 3.1 per cent in 2027 and 2.0 per cent in 2028…
Why this matters
The content is a Central Bank quarterly economic bulletin and press release containing macroeconomic projections (growth, inflation, employment, housing), structural economic analysis, and high-level policy commentary.
The Central Bank today (15 September 2026) announced the appointment of Simon Sloan as Director of Strategy and Governance. Simon brings a wealth of experience from both inside and outside of the Central Bank. Since joining the Central Bank in 2011, he has held a number of leadership roles across Asset Management…
Why this matters
The content is purely administrative—announcing the appointment of Simon Sloan as Director of Strategy and Governance at the Central Bank. It contains no new rules, guidance, enforcement actions, or regulatory requirements affecting financial firms.
Good morning everyone. Thank you for the opportunity to speak to you here today in Croke Park – a place that embodies what can be achieved in Ireland. As the children return to school and the rain settles in, Ireland’s extraordinary summer has finally begun to turn. And it really was extraordinary – the driest on…
Why this matters
This is a speech by Deputy Governor Colm Kincaid to a public sector management conference. It is informational and forward-looking rather than prescriptive, but contains significant strategic guidance on four workplace dimensions (digitalisation, longer careers, lifelong learning/AI, hybrid work) that reflect emerging...
More than one in three Irish adults (35%) have experienced fraud or scams. 38% of fraud victims never reported their experience to their financial service provider or any authority. Research identified risky online behaviours as the single strongest predictor of fraud experience—more influential than age, income, or…
I am joined today by Gráinne McEvoy, Director of Consumer Protection, and Domhnall Cullinan, Director of Insurance Supervision. Thank you for this opportunity to speak to you today about the Central Bank’s work in regulating and supervising the Irish insurance industry and specifically the practices of differential…
Following a satisfactory review of the data submitted by banks and credit unions, to the Central Credit Register, the initial enquiry phase has now commenced. This means that from today borrowers and lenders can request a copy of credit reports from the Central Credit Register. Data on mortgages, personal loans…