Banking Regulation 2025

IRELAND Law and Practice Contributed by: Keith Robinson, Barry Tyrrell and Julia Mullin, Dillon Eustace LLP

The Finance (Provision of Access to Cash Infrastructure) Bill 2024 The Finance (Provision of Access to Cash Infra - structure) Bill 2024 (the “Access to Cash Bill”) was published by the Department of Finance on 31 July 2024. It was published following recommendations made as part of the November 2022 Retail Bank - ing Review Report published by the Department for Finance. The key elements of the Access to Cash Bill include the following. • Cash infrastructure is to be maintained at (approximately) December 2022 levels. • The Minister for Finance will be able to set regional criteria for access to ATMs to ensure access to cash. • The Minister for Finance will be authorised to make regulations banning or capping access fees for withdrawals from Irish ATMs by indi - viduals and SMEs with EU bank accounts.

for accessible design, ensuring that people with disabilities can fully participate in the digital economy and everyday life without barriers. The EAA Regulations provide that a service provider may, up until 28 June 2030, continue to provide their services using products which were lawfully used by them to provide similar services before that date. Service contracts agreed before 28 June 2025 may continue with - out alteration until they expire but no longer than five years from that date. The Irish Regulations set out that Ireland will be implementing an exemption for self-service terminals such as ATMs and payment terminals which are used lawfully by service providers for the provision of services before 28 June 2025. These terminals may continue to be used in the provision of similar services until the end of their economically useful life but no longer than 20 years after their entry into use.

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