Following a 12-month implementation period, the revised Consumer Protection Code 2025 (the Code) took effect on 24 March 2026.
The Code contains provisions which set out the timeframe under which title deeds need to be produced by a regulated entity to personal consumers’ legal representatives.
The Central Bank (the Bank) advises that, as part of it’s supervisory and consumer protection work, it continually monitors adherence to the Code and in relation to the specific provision relating to the provision of title deeds, the Bank further advises that it has not been made aware of any issues regarding the mandate for regulated entities to provide property title deeds within ten working days of receiving a valid request.
More generally in relation to the Bank's sanctioning framework, under its Administrative Sanctions Procedure the Bank may carry out investigations and inquiries and it may impose sanctions if it determines that firms or individuals have committed a prescribed contravention, such as a breach of a designated enactment or a code.
It can also be noted that if a personal consumer is not satisfied with how a regulated firm is dealing with them they can make a complaint directly to the regulated firm. If a consumer is not satisfied with that response, the person may then refer the complaint to the Financial Services and Pensions Ombudsman (FSPO).
