Central Bank of Ireland
FOI Requests — 369 records (page 4 of 8)
- Received —Decided —Part-GrantedCentral Bank of Ireland
inquiry. For clarity, I am seeking whatever record was used by the Central Bank to arrive at that figure line-by-line and according to category of expenditure. The figure could not have been calculated without the gathering of such material into a single source. 1. All documentation relating to the legal advice sought and received by the Central Bank with regard to its involvement in the sale and marketing of Israeli Bonds.
- Received —Decided —Handled outside of FOICentral Bank of Ireland
https://www.thejournal.ie/central-bank-overspend-data-management-system-3-million-6674632-Apr2025/ Revised: I request the following records concerning the Israeli Bond Programme as per details outlined in the Governor's letter to the Joint Oireachtas Committee on Finance, Public Expenditure and Reform, and Taoiseach on December 4, 2025. Period of records: 1 June 2024-present: • Article 20(4) of the Prospectus Regulation clarifies that a competent authority needs to review a prospectus application against the standards of completeness, comprehensibility and consistency necessary for its approval. Please provide a copy of any records summarising the internal review and scrutiny process and/or summarising the findings/results of the internal review and scrutiny process undertaken before approval of the prospectus documentation from the Israeli bond programme on 2 September 2024; • Please provide a copy of reports, memos or internal correspondence outlining any issues or concerns raised internally during the
- Received —Decided —Part-GrantedCentral Bank of Ireland
This should include, but is not limited to, any letters, emails, text messages, WhatsApp messages, memos, notes, reports, draft reports and any other relevant records that relate to the above. 1. Details of the scope of the Central Bank investigation following the recent letters dated 27 June 2025 sent from named regulated financial service provider to its customers, in which named regulated financial service provider publicly admitted to “not accurately” recalculating Normal Monthly Repayments. 2. The letters to the banks’ customers contain the following statement:
- Received —Decided —Part-GrantedCentral Bank of Ireland
approving Israel's bond prospectuses from January 1st, 2025 to the current date -any internal communications between any CBI staff at or above Director level (including, but not limited to, text messages and Whatsapps) related to the CBI's role in approving Israel's bond Prospectuses from January 1st,2025 to current date. ....a copy of a named regulated financial service provider's lending guidebook for the years 2006 and 2007.
- Received —Decided —RefusedCentral Bank of Ireland
- In addition, I seek copies of any correspondence between the Central Bank and either the Department of Finance, the Department of Foreign Affairs or any representatives of the governments of Israel or the United States, in relation to this matter the Professional Indemnity Insurance details and all other information that could assist in identifying with whom the above is insured
- Received —Decided —RefusedCentral Bank of Ireland
permissions and/or authorisations, from the Irish Financial Services Regulatory Authority and/or Central Bank of Ireland (“CBI”) to enable it to sell, market, execute or be a party/counterparty to: (a) an Interest Rate Derivative Product (specifically an interest rate SWAP); and/or (b) enter an agreement under the 2006 ISDA Rules. In the event that the named regulated financial service provider had no such licences, and/or permissions and/or authorisations to undertake such business and undertook the sale of an Interest Rate Derivative Product during 2008 and/or made a precondition to a loan, you might please outline what breaches of legislation, regulation and/or CBI Codes of Conduct would have occurred. For the avoidance of doubt, it is understood that the named regulated financial service provider had the authorisation to sell and provide “vanilla” hedging products (i.e. Fixed rates), however the query specifically relates to Derivative products outlined at 6(a) above.
- Received —Decided —Part-GrantedCentral Bank of Ireland
3) A numerical breakdown of the proportion of firms with good due diligence practices vs those without (along with any relevant definitions) 4) A numerical breakdown of the proportion of firms with sufficient levels of ongoing monitoring (along with any relevant definitions) 5) A numerical breakdown of the proportion of firms with sufficient levels of board oversight (along with any relevant definitions) 6) A numerical breakdown of AP/CMM concentration in more granular detail. (both % total notional activity & % of ETFs contracted to by MM/AP firm)
- Received —Decided —Part-GrantedCentral Bank of Ireland
2. All briefing documents by the CB for its representatives at these meetings, any documentation given to the CB representatives during or following the meeting. 3. Details of where these meetings took place and any receipts for costs incurred. • A copy of the most up-to-date tracker for the implementation of recommendations from audits;
- Received —Decided —RefusedCentral Bank of Ireland
Governor Consumer & Investor Protection, Chief Operations Officer ; 2. Any correspondence (including attachments) with the Dept Finance on the above from the above named staff and the Capital Markets and Funds Division (including Director) - Any minutes from the meeting between Central Bank Governor Gabriel Maklouf and Housing Minister James Browne on April 3.
- Received —Decided —RefusedCentral Bank of Ireland
measures since February 2022 to the current date.
- Received —Decided —GrantedCentral Bank of Ireland
2013 Act) to the Central Bank or to one of its employees or one of its authorised officers ... broken down, by year, for each of the past five years with a year-end of May 31. If this year-end is not possible, please use whichever year-end is used internally by the Central Bank.
- Received —Decided —Part-GrantedCentral Bank of Ireland
This requests includes, but is not limited to: - Communications with or regarding the U.S. Internal Revenue Service (IRS) or the U.S. Department of the Treasury - Internal assessments or legal advice concerning data protection, privacy, sovereignty, or compliance impacts - Statistics or reports on reporting by Irish financial institutions under FATCA - Reviews or consultations on FATCA's effect on Irish residents or financial institutions - Details of any other similar documents you are aware of and who holds such documentation Revised: Records related to AI Act implementation in Ireland, [specifically correspondence between the Central Bank and the Department of Enterprise, Tourism and Employment, related to]
- Received —Decided —RefusedCentral Bank of Ireland
Separately, 1) Was any effort made to find alternative designs for Irish euro coins, other than the harp? 2) Were any alternative designs considered? 3) What were these designs? Revised:
- Received —Decided —RefusedCentral Bank of Ireland
Meeting minutes and briefing notes from a meeting in late January 2025 between a named individual and the Central Bank. Revised: Under the Freedom of Information Act 2014, I request the following: In 2013 the Central Bank of Ireland, took into possession a quantity of Irish government bonds. I would like to request the following
- Received —Decided —Part-GrantedCentral Bank of Ireland
- All documents, dated (or, if undated, produced) between 1st September 2024 and 1st September 2025 relating to the transfer of approval under Regulation 2017/1129 of a prospectus of the State of Israel by the competent authority in Luxembourg (considered at Head of Securities Markets Division or above level). - All documents dated (or, if undated, produced) between 1st June 2020 and 31st October 2024 concerning specifically the relevance of the potential use, for acts by the Israeli government concerning the Palestinian people, of the proceeds of the bonds associated with the prospectuses of the State of Israel approved by the Central Bank of Ireland within this period (considered at Head of Securities Markets Division or above level). A copy of the record held by the Central Bank of Ireland relating to the entity known as named regulated financial service provider
- Received —Decided —RefusedCentral Bank of Ireland
S pecifically on the above, I'm looking for records that pertain to: • any communications between the CBI and European Securities and Markets Authority (ESMA) concerning the CBI's role in approving Israel's Sovereign bond prospectuses with specific reference to the requirements under Article 42 of the Markets in Financial Instruments Regulation (MiFIR) • any internal communications between CBI staff above and including the grade of director concerning the CBI's role in approving Israel's Sovereign bond prospectuses with specific reference to the requirements under Article 42 of the Markets in Financial Instruments Regulation (MiFIR) Revised: Records that refer to: • any communications between the CBI and the Department of Finance related to the CBI's role in approving Israel's bond
- Received —Decided —Part-GrantedCentral Bank of Ireland
prospectuses • any communications between the CBI and the State of Israel/the Development Corporation for Israel (IDC) related to the CBI's role in approving Israel's bond prospectuses Date period: From January 1, 2025 to the current date records that pertain to: -any communications between CBI and the Luxembourg Commission de Surveillance du Secteur Financier related to the CBI's role in
- Received —Decided —RefusedCentral Bank of Ireland
• Any briefing documents prepared regarding a named individual's background or affiliations The records I seek are from May 2022 to present. Please search private phones and emails where relevant. • Records relating to CBI's application for "trusted flagger status" under the Digital Services Act • All correspondence with Coimisiún na Meán regarding trusted flagger status applications • Any internal discussions about obtaining content moderation powers
- Received —Decided —Part-GrantedCentral Bank of Ireland
For each firm on the list, please also include all other permissions/authorisations the firm holds with the Central Bank, such as—but not limited to—transfer-agency, depositary, investment management, MiFID investment firm authorisation, payment-services, e-money, etc. the database/spreadsheet/financial records that underpinned the publication of the final cost figure of €24 million for the INBS
- Received —Decided —Handled outside of FOICentral Bank of Ireland
ABROAD, SEEKING AN ALTERNATIVE APPROVER. ANY OTHER DOCUMENTATION, SUCH AS MINUTES OF CONVERSATIONS OR MEETINGS, REGARDING THE CHANGE OF JURISDICTION FOR APPROVAL OF THE PROSPECTUSES. ... the following records from 1 July 2025-present concerning the STATE OF ISRAEL - Bond Issuance Programme: 1. Any letters, memos, emails (with attachments) or other form of documents received from any Israeli authorities requesting the transfer of prospectus approval from the Central Bank to another competent authority in the EU / EEA. Please also include the responding correspondence from the CBI (including attachments if sent via email);
- Received —Decided —RefusedCentral Bank of Ireland
Subject matter: • Use of the wording “by [date]” when expressing statutory compliance deadlines in: – Directions issued under section 45 of the Central Bank (Supervision and Enforcement) Act 2013 – Communications relating to statutory levy deadlines under the Central Bank Act 1942 (as amended) Search criteria: • Records relating to the choice of wording expressing submission deadlines as “by [date]” • Any reliance on external drafting standards such as OPC (Parliamentary Counsel) guidance
- Received —Decided —RefusedCentral Bank of Ireland
• 1 January 2020 to present Subject matter: • General guidance relating to how compliance or regulatory deadlines are expressed in public-facing or regulated-entity communications, using wording such as: – “by [date]” – “on or before [date]” – “no later than [date]” Any guidance documents, circulars, Dear CEO letters, briefing notes or explanatory material issued by the Central Bank in 2015 which set out the transitional arrangements under the Consumer Protection (Regulation of Credit Servicing Firms) Act 2015, including the conditions required for a firm to rely on the transitional provisions.
- Received —Decided —RefusedCentral Bank of Ireland
. ..we kindly request a breakdown of the aggregated data presented in the “Credit Risk Data 2024” row 550-640 by each national immovable property market for which data have been reported.
- Received —Decided —GrantedCentral Bank of Ireland
o PCF – 10: Sole Trader o PCF – 11: Head of Finance o PCF – 12: Head of Compliance o PCF – 13: Head of Internal Audit o PCF – 14: Chief Risk Officer o PCF – 16: Branch Manager of branches established outside the State o PCF – 17: Head of Retail Sales o PCF – 42: Chief Operating Officer o PCF – 49: Chief Information Officer o PCF – 52: Head of Anti-Money Laundering and Counter Terrorist Financing Legislation Compliance o ...broken down, by year, for each of the past five years with a year-end of May 31. If this year-end is not possible, please use whichever year-end is used internally by the Central Bank. 1. The number of disclosures made under the Protected Disclosures Act, 2014 (the 2014 Act) made to the Central Bank or to one of its employees or one of its authorised officers. 2. The number of disclosures made by a person in good faith under the Central Bank (Supervision and Enforcement) Act, 2013 (the
- Received —Decided —Part-GrantedCentral Bank of Ireland
All correspondence between officials of the Central Bank of Ireland and Department of Finance officials related to the approval of the Information Memorandum of the Israel Bonds/Development Corporation for Israel dated September 2nd 2024. All minutes/briefing notes/records of any meetings between officials of the Central Bank of Ireland and Department of Finance officials related to the approval of the Information Memorandum of the Israel Bonds/Development Corporation for Israel dated September 2nd 2024.
- Received —Decided —RefusedCentral Bank of Ireland
• A register of all undeveloped land owned by your organisation. Including detail on the physical condition of each plot of land, how long each plot has been vacant, the reasoning for why each plot is vacant, and the monetary value of each plot.
- Received —Decided —RefusedCentral Bank of Ireland
a) Name of the affected Company or Entity b) Number of affected individuals c) Date of the Incident/Breach d) Date of the Notification sent to the affected individuals e) Brief description of the breach (what happened or what caused the breach)
- Received —Decided —Part-GrantedCentral Bank of Ireland
A copy of all communications sent to or published to all staff regarding promotions and or internal transfers since 1 January 2025 to present. The total number of staff that have been dismissed / terminated or otherwise released from their employment due to poor or under performance for each year since 2015.
- Received —Decided —RefusedCentral Bank of Ireland
• A copy of any application forms and associated documents supplied by Israel Bonds or other Israeli State bodies concerning any applications for approval / renewal of approval of the Israeli Bond Programme / Israeli bonds prospectus I request the name of the team and the department/division for each staff member referenced in this request (FOI-2025-001647). I
- Received —Decided —Part-GrantedCentral Bank of Ireland
also seek the same information released in this request for the year 2024 (including the name of the team and department/division for each staff member). ....details of any/all instances where ex employees of the Central Bank of Ireland have (a) requested and (b) received and (c) been
- Received —Decided —Part-GrantedCentral Bank of Ireland
prospectuses • any communications between the CBI and the State of Israel/the Development Corporation for Israel related to the CBI's role in approving Israel's bond prospectuses • any communications between the CBI and the Commission de Surveillance du Secteur Financier Luxembourg related to the CBI's role in approving Israel's bond prospectuses • any internal communications between any CBI staff above the grade of director (including, but not limited to, text messages and Whatsapps) related to the CBI's role in approving Israel's bond prospectuses Revised: The exact date on which a named regulated financial service provider submitted its application for authorization as a credit servicing firm under Part V of the Central Bank Act, 1997, pursuant to Section 34F(1) (transitional provisions). The exact date and time the Central Bank received and timestamped the application.
- Received —Decided —RefusedCentral Bank of Ireland
approving Israel's Sovereign bond prospectuses between 1 January 2024 to this request date The total number of internal and external job advertisments issued by the Central Bank for each year since 2020. Broken down by internal, external or both where possible. A copy of 5 of the most recent external and 5 internal job advertisements.
- Received —Decided —RefusedCentral Bank of Ireland
8. Gross Loans – Commercial / SME Loans 9. Members’ Shares 10. Members’ Deposits 11. Total Members 12. Total Income 13. Total Expenditure 14. Surplus / Deficit 15. Number of Staff (FTE) (if recorded) 16. Number of Online / E-Accounts (if recorded) If your internal field names differ, please include a short data dictionary or column key. A list of the top 20 staff members with highest total number of overtime hours claimed for each year from January 2020 to present.
- Received —Decided —RefusedCentral Bank of Ireland
This should cover the name of each staff member, the total hours claimed, the total additional remuneration received and the reason for the overtime claimed. I would like access to the complete review that took place in August 2024 in relation to the catering changes that have been announced. o All meeting documents, presentations etc to be included.
- Received —Decided —Part-GrantedCentral Bank of Ireland
A copy of the Transitional Notification, if any, submitted by named regulated financial service provider under the transitional provisions of the 2015 Act, and any acknowledgement issued confirming receipt of such a notification. Division and custodians Office of the General Counsel (Legal Division) Custodians (by role): Legal Division lawyers and knowledge-owners responsible for drafting guidance, templates, or style conventions used in: directions under section 45 of the Central Bank (Supervision and Enforcement) Act 2013; and statutory levy instruments or communications under the Central Bank Act 1942 (as amended). Date range 1 January 2021 to 31 December 2024 inclusive.
- Received —Decided —RefusedCentral Bank of Ireland
Records sought Copies of any drafting notes, style guides, templates, checklists, training materials, memoranda, or knowledge-hub pages that: discuss or recommend use of “by [date]” when specifying a compliance or submission deadline; or compare “by [date]” with “on or before [date]”, “no later than [date]”, or “before [date]”; or provide rules or conventions for expressing statutory or compliance time limits in directions, notices, circulars, statutory instruments, or levy communications.
- Received —Decided —RefusedCentral Bank of Ireland
2. Any reports, briefing notes, or internal analyses that specifically consider the impact of repossessions on single-parent households. If the data is not available in this disaggregated form, I would appreciate: • Confirmation of what level of household composition data is collected (if any) during repossession or arrears proceedings. • Any plans to gather or publish such statistics in the future. Revised: records related to the issuance and approval of State of Israel bond prospectuses From January 1, 2025 to the date of this request. S pecifically on the above, I'm looking for records that pertain to: • any communications between the CBI and the Department of Finance related to the CBI's role in approving Israel's bond
- Received —Decided —Part-GrantedCentral Bank of Ireland
- the date of initial registration and any subsequent changes in status. 2. Name Change & Predecessor Entity: - a record confirming the name change - a record containing the registration status of a named regulated financial service provider prior to the name change. ...the following information relating to the requests to the Central Bank for sanctions exemptions/derogations. I specifically request data for sanctions regimes regarding Russia, Ukraine (Oblast) and Libya and going back to January 1st, 2014. 1 . All requests received by the Central Bank by private individuals and/or companies for exemptions/derogations from sanctions 2 regimes in operation by Ireland.
- Received —Decided —Part-GrantedCentral Bank of Ireland
of investment prospectuses for debt issued by Israel Bonds • Any assessments(s) or review(s) of the designation of Ireland as Home Member State under the Prospectus Regulation in order to borrow on European bond markets and/or reviews(s) of the Central Bank’s approval of investment prospectuses for debt issued by Israel Bonds (1) A copy of all licenses held by a named regulated financial service provider in respect of residential, commercial and consumer lending. (2) A copy of all credit reports/products in respect of a named regulated financial service provider from the date of registration (in terms
- Received —Decided —Part-GrantedCentral Bank of Ireland
2020 - 2023. This should cover the name of each staff member, the total hours claimed and the total additional remuneration received. • all correspondence, notes, meeting minutes, memos, briefs related to an engagement (per the lobbying register) between the Central
- Received —Decided —RefusedCentral Bank of Ireland
Bank and a named firm on the CBI's IT risk questionnaire. records held by the Central Bank of Ireland relating to all banking licences, permits, and/or authorisations issued to a named regulated financial service provider by the Irish Financial Services Regulatory Authority (or its predecessor or successor bodies, if applicable), including but not limited to: 1. The date(s) on which such licences or authorisations were granted; 2. The nature, scope, and regulatory basis of each authorisation; 3. Any conditions or restrictions attached to those licences or authorisations; 4. Amendments, suspensions, or revocations of such licences or permits (if any); 5. Correspondence or decisions relating to the regulatory status of a named regulated financial service provider under Irish financial services law. 6. whether the named regulated financial service provider ever had and/or required (and in particular during 2008) any licences, and/or
- Received —Decided —Part-GrantedCentral Bank of Ireland
• An itemised list of all expense claims paid to Governor Gabriel Makhlouf for each of the past 12 months. • An itemised list of all expense claims made by Governor Gabriel Makhlouf that were rejected by the Central Bank of Ireland. 1. The number of consumer complaints received by the Central Bank between January 2023 and June 2023 relating to a named regulated financial service provider 's mortgage drawdown timing and/or eligibility for fixed-rate offers. 2. Any correspondence, reports, or records (internal or external) in the same period that reference a named regulated financial service
- Received —Decided —RefusedCentral Bank of Ireland
named firm … ...to establish when a named regulated financial service provider notified the Central Bank of changes it planned to introduce regarding
- Received —Decided —RefusedCentral Bank of Ireland
maximum daily SEPA transfers for new payees. The maximum amount is now 1,000 euro. I would like to know: 1. The total number of whistleblower reports (protected disclosures) received by the Central Bank of Ireland 2. The total number of financial misconduct whistleblower reports (protected disclosures) received by the Central Bank of Ireland 3. The total number of non – financial misconduct whistleblower reports (protected disclosures) received by the Central Bank of Ireland
- Received —Decided —RefusedCentral Bank of Ireland
2. How many investigations have been initiated in the same period? 3. How many decisions of enforcement have there been in the same period? 4. How many of the complaints, investigations and enforcement decisions initiated since 2013 were against repeat offenders? 5. How many investigations are still ongoing as of the time of this FOI request? ... any records held by the Central Bank of Ireland relating to mortgage interest rate changes by regulated lenders in Ireland over the period 1 January 1994 to 31 December 2024. Specifically, I am requesting: 1. A list or database of mortgage product interest rate changes across all regulated mortgage lenders in Ireland, including: - The name of the lender - The product type (e.g., standard variable, fixed-rate, tracker) - The old interest rate and the new interest rate
- Received —Decided —RefusedCentral Bank of Ireland
- The effective date of each change - Any reference to the product or rate name/code, if applicable 2. Where available, I would appreciate this data in a structured format (such as Excel or CSV), covering: - Individual rate changes per lender and product, or - Aggregated records if individual-level data is not available 3. If the Central Bank does not hold a complete dataset covering the full 30-year period, I request: - Any internal reports, summaries, or datasets that document historical rate movements by lender or by product type - Any relevant records used in statistical or supervisory functions that refer to historical mortgage rate trends Revised: A list of all Investment Product Intermediaries and Insurance Intermediaries that have been revoked either voluntarily or forced since
- Received —Decided —RefusedCentral Bank of Ireland
financial service provider in relation to motor finance loans in the UK
- Received —Decided —RefusedCentral Bank of Ireland
any information resulting from any investigation that arose from my letter to the CBI date 9 December 2022. access to the raw, anonymised survey data underpinning the Central Bank of Ireland study “Who Clicks ‘Pay Later’? Financial
- Received —Decided —Part-GrantedCentral Bank of Ireland
· Records of correspondence, reports and memos, meetings and meeting notes between the bank’s deputy governor and a named firm regarding consumer protection issues and fraud. Revised: 1. Any Moneylending licence held by a named regulated financial service provider during the period January 2022 and June 2023 with
- Received —Decided —RefusedCentral Bank of Ireland
The total amount of funds of a named firm blocked or frozen in Ireland under EU sanctions and reported to the Central Bank of Ireland.