ARTICLE · 06 FEBRUARY 2025

Credit Reporting Reminder: Guarantees Reportable From 1 February 2025

Arthur Cox

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1 February 2025 is a key date regarding the scope of Ireland's credit reporting framework.

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Sinead Cantillon

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1 February 2025 is a key date regarding the scope of Ireland's credit reporting framework.

Where a reportable credit agreement is entered on or after 1 February 2025, and a guarantee is entered into in respect of that credit agreement on or after 1 February 2025, the relevant credit information provider (CIP) will now also be required to report data in relation to both the guarantee and the guarantor to the Central Credit Register (CCR), operated by the Central Bank of Ireland.

More information is set out in our recent insights: Credit Reporting Update: Guarantees reportable from 1 February 2025.

It is important to remember that the Credit Reporting Act 2013 requires that credit information subjects (including guarantors) are made aware, by CIPs, of their rights and duties under that Act.

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This article contains a general summary of developments and is not a complete or definitive statement of the law. Specific legal advice should be obtained where appropriate.

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