Central Bank of Ireland today launched a commemorative coin celebrating the life and work of renowned Irish playwright Seán O'Casey, on what would have been his 146 th birthday. It marks the 100th anniversary of the inaugural performance of his masterpiece The Plough and the Stars at the Abbey Theatre. The silver proof coin will go on sale today (Monday 30 March 2026) at 1pm on www.collectorcoins.ie . Designed by PJ Lynch, there are just 3,000 coins available, and they will retail at €90. Gov...
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The Central Bank Commission has appointed Elizabeth Mahon as Secretary of the Central Bank, effective 30 March. Elizabeth has also been appointed to the role of Head of Governance in the Central Bank. Elizabeth has more than 20 years' experience in financial services, principally in the banking sector, where her career has focused on strategy and implementation, management consulting, organisational change, and stakeholder management. Since 2022 she has worked at the Central Bank as Head of S...
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Naperte Designated Activity Company (CLONE) - Central Bank of Ireland issues warning about unauthorised firm
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TD ICAV (CLONES) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Castleforbes Wealth (CLONE)– Central Bank of Ireland issues warning about unauthorised firm
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West Invest Bank - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Walsh Trust Bank - Central Bank of Ireland Issues Warning on Unauthorised Firm
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J.P. Morgan Asset Management (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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EU Bonds - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Suisse Equity- Central Bank of Ireland Issues Warning on Unauthorised Firm
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Elarem Limited - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Callanor - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Private Client Trustees Limited (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Introduction Good morning. I am delighted to welcome you to Central Bank of Ireland today as part of our continued engagement with the crypto sector. This time last year we hosted an industry briefing focused on the path to success in the authorisation of Crypto-Asset Service Providers (CASPs). It has been a very active 12 months, and today I see many of you in the room from newly authorised CASPs who have come through the process successfully. This morning’s event is an excellent opportunity...
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Central Bank of Ireland today published a Discussion Paper examining the potential role of Distributed Ledger Technology (DLT) and tokenisation in the financial system . Deputy Governor Vasileios Madouros, commenting on the publication, said: “Distributed ledger technology and tokenisation have the potential to transform how financial services are delivered. We believe this technology, if enabled and deployed correctly, can change the financial system for the better, including by helping the ...
The Central Bank of Ireland (CBI) has launched Discussion Paper 12 (DP12) on Distributed Ledger Technology (DLT) and tokenisation in financial services to explore their transformative potential in areas like markets, funds, payments, and money, while assessing opportunities, risks, and enablers such as legal clarity and interoperability. This matters for compliance professionals as it signals CBI's proactive stance on integrating these technologies into a resilient financial system, aligning with EU ambitions like the Savings and Investment Union, and invites stakeholder input to shape future policy without proposing immediate rules. (Source: https://www.centralbank.ie/news/article/press-release-discussion-paper-tokenisation-and-distributed-ledger-technology-in-financial-services-5-march-26 [publication]; https://www.arthurcox.com/insights/central-bank-issues-discussion-paper-on-dlt-tokenisation-in-financial-services/ )
What Changed
This is a non-binding discussion paper, not a regulatory change or new requirement; it poses 16 questions on topics including legal recognition of tokenised instruments, governance, infrastructure, funds (e.g., tokenised MMFs and ETFs), payments, and risks like operational resilience and interoperability. It highlights needs for policy intervention to avoid fragmented "walled gardens," ensure central bank money's role, and address challenges in fractionalisation, transparency, and settlement finality, but no mandates are imposed yet.
What You Need To Do
- Review DP12 (PDF available via CBI site) and prepare/ submit responses to the 16 questions by 5 June 2026, focusing on legal clarity, risks, funds tokenisation, and enablers like interoperability
- Engage in CBI's structured stakeholder dialogues to influence future frameworks
- Assess internal DLT/tokenisation pilots or plans against discussed risks (e
- No immediate compliance obligations, but monitor for follow-up rules; funds firms should evaluate tokenised share/unit models
Key Dates
5 June 2026 - Deadline for stakeholder submissions responding to the 16 questions in DP12. DEADLINE
Post-5 June 2026 - CBI to publish a feedback statement assessing responses and existing policy fit. (Source: https://www.centralbank.ie/news/article/press-release-discussion-paper-tokenisation-and-distributed-ledger-technology-in-financial-services-5-march-26 [publication]; https://www.arthurcox.com/insights/central-bank-issues-discussion-paper-on-dlt-tokenisation-in-financial-services/ )
Compliance Impact
Urgency: Medium – This consultative paper poses no immediate rules but represents a key opportunity to shape emerging DLT/tokenisation regulation amid CBI's 2026 priorities on tech-driven transformations and resilience; inaction risks missing input on critical enablers like legal finality for tokens, potentially leading to stricter future requirements misaligned with firm needs. It aligns with broader EU/BIS pushes (e.g., MiCA, tokenized reserves), amplifying relevance for firms in funds, payments, and crypto.
Impax Stocker (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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KPH Advisory Services (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Central Bank of Ireland Issues Warning on Unauthorised Firm – Sugon Ventures
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Stalwart Investments Limited (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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SB Leasing Ireland Limited (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Earston Limited t/a Earston Wealth Management (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Gabriel Makhlouf, Governor of the Central Bank of Ireland, today delivered a keynote address at the Blavatnik School of Government, outlining the critical role of central bank independence in delivering price stability and supporting economic prosperity for society. Speaking on “Institutions, Anchors, and Their Discontents: The Role of Central Banks”, Governor Makhlouf highlighted how central bank independence, underpinned by clear mandates and robust accountability frameworks, enables moneta...
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Capital Horizon Loans (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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DEV Limited (CLONE) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Alan Finance Group (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Doherty Bergin Financial Services Ltd (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Central Bank of Ireland and Banca d’Italia are launching the Innovation Data Challenge 2026, a joint initiative designed to foster cutting-edge research and innovation in the retail payments sector. The Challenge reflects the shared commitment of the two Institutions to promoting applied research, international collaboration, and the responsible use of data and technology to shape the future of payments. The initiative brings together leading Irish and Italian universities, including Universi...
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Invesco Investment Management Limited (CLONE) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Harbor Valtrix– Central Bank of Ireland Issues Warning on Unauthorised Firm
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Solunar Finance Holdings Limited (Clone) – Central Bank of Ireland Issues Warning on Unauthorised Firm
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Tava Loans - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Ava Credit Finance - Central Bank of Ireland Issues Warning on Unauthorised Firm
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New report outlines the Central Bank’s approach to more effective and efficient regulatory and supervisory framework, reducing complexity and improving clarity while maintaining resilience and important protections in the system. This work builds on the Central Bank’s strategy to transform regulation and supervision, including the introduction of our new integrated supervisory approach and the improvements made in our gatekeeping processes in recent years. The roadmap sets out a comprehensive...
The Central Bank of Ireland published a comprehensive multi-year roadmap on December 10, 2025, aimed at streamlining its regulatory and supervisory framework across four pillars: supervision, regulation, gatekeeping, and reporting. This initiative represents a strategic shift toward more effective and efficient oversight while explicitly maintaining resilience standards and consumer protections, responding to EU calls for regulatory reform to enhance competitiveness.
What Changed
The roadmap encompasses four major reform areas:
*Supervision: Implementation of a new integrated, risk-based supervisory approach** introduced in January 2025, consolidating multidisciplinary teams and sharpening risk focus with clearer supervisory communications. This delivers more coherent firm engagement, stronger proportionality, and streamlined processes.
*Regulation: Comprehensive updates to the domestic rulebook, including:
Insurance: Major compatibility review to eliminate duplication with Solvency II reforms and review of 2021 Recovery Planning Regulations
Banking: Review of...
What You Need To Do
- *Immediate actions for compliance professionals
- *Monitor consultation releases
- *Assess rulebook changes
- *Evaluate supervisory engagement
- *Prepare for gatekeeping changes
Key Dates
January 2025 - New integrated supervisory model became effective
2026 - Public consultation on new Regulatory Impact Assessment Framework
2026 to first half of 2028 - Multi-year programme implementation period for all roadmap initiatives
2025 - Strategic review of Industry Funding Levy approach (consultation expected during 2025)
Compliance Impact
Urgency: HIGH
BankAsset ManagerInsurance Obelisk Wealth - Central Bank of Ireland Issues Warning on Unauthorised Firm
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EPC Finance Limited - Central Bank of Ireland Issues Warning on Unauthorised Firm
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LiteLoans4U - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Wealthbayy - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Deutsche Bank Wealth Management (CLONE) / Deutsche Bank AG (CLONE) / DB UK Bank Limited (CLONE) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Rates Finder– Central Bank of Ireland Issues Warning on Unauthorised Firm
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Quilter Cheviot Europe Limited (CLONE) - Central Bank of Ireland Issues Warning on Unauthorised Fir
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Barclays Wealth (Clone) – Central Bank of Ireland Issues Warning on Unauthorised Firm
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Magnum Options - Central Bank of Ireland Issues Warning on Unauthorised Firm
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LSFX Limited/ LightStocksFX- Central Bank of Ireland Issues Warning on Unauthorised Firm
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Uniq Loan Financial - Central Bank of Ireland Issues Warning on Unauthorised Firm
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CFD Trades 24 – Central Bank of Ireland Issues Warning on Unauthorised Firm
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BW Financial Services (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Coinhive - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Pionew Ireland (Clone) - Central Bank of Ireland Issues Warning on Unauthorised / Unregistered Firm
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Caventer Finance - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Clearbnk (Clone) – Central Bank of Ireland Issues Warning on Unauthorised Firm
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Cryptocom (Clone) – Central Bank of Ireland Issues Warning on Unauthorised Firm
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Bemo Investment Firm Ltd (Clone)– Central Bank of Ireland Issues Warning on Unauthorised Firm
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Warning Unauthorised Investment Firm / Unauthorised Investment Business Firm Unauthorised Firm Name Monument Financial Group Website https://monumentfg.com/ Email addresses used admin@monumentfg.com [name].[surname]@monumentfg.com Phone number used +353 81 800 5284 Authorisation in Ireland This firm is not authorised to provide investment services in Ireland. Notes: Any person wishing to contact the Central Bank with information regarding such firms / persons may telephone (01) 224 5800 or re...
The Central Bank of Ireland (CBI) has issued a warning notice under section 53 of the Central Bank (Supervision and Enforcement) Act 2013, identifying **Monument Financial Group** as an unauthorised firm providing investment services in Ireland without authorisation. This matters for compliance professionals because it underscores the CBI's proactive enforcement against unauthorised activity, heightens scam awareness, and signals risks of consumer harm, regulatory referrals to An Garda Síochána, and potential enforcement against facilitating parties.[https://www.centralbank.ie/news/article/monument-financial-group---central-bank-of-ireland-issues-warning-on-unauthorised-firm]
What Changed
This is not a regulatory change or new requirement but an enforcement action via a warning notice published on 25 August 2025. It publicly names the firm, its website (https://monumentfg.com/), emails (admin@monumentfg.com, [name].[surname]@monumentfg.com), and phone (+353 81 800 5284), confirming it lacks authorisation for investment services in Ireland.
What You Need To Do
- Immediate verification
- Client communications
- Internal compliance
Key Dates
25 August 2025 - Warning notice published by CBI, adding Monument Financial Group to the unauthorised firms list.[https://www.centralbank.ie/news/article/monument-financial-group---central-bank-of-ireland-issues-warning-on-unauthorised-firm]
Compliance Impact
Urgency: Medium. This matters as part of a pattern of CBI warnings (e.g., Expert Limited on 19 June 2025, RCE Banque on 29 August 2025, DotBig on 01 December 2025), indicating rising unauthorised investment activity and scam risks in Ireland. Authorised firms face indirect liability for poor due diligence, reputational damage, or facilitation charges; consumers risk total fund loss without regulatory protections.
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Clermont Meridian Trading - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Northern Trust Fund Managers (Ireland) Ltd (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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TD Global Company (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Ackerman & Foster LLP - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Investment Peak - Central Bank of Ireland Issues Warning on Unauthorised Firm
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GasTrade - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Beta-Tech - Central Bank of Ireland Issues Warning on Unauthorised Firm
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KPMG Ireland (Clone) - Central Bank of Ireland Issues Warning on Unauthorised Firm
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VintageFXsignals - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Pass Investment Managers (Clone) - Central Bank of Ireland Issues Warning on Unregistered Firm
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Pecan Capital MG - Central Bank of Ireland Issues Warning on Unauthorised Firm
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Lending Loans - Central Bank of Ireland Issues Warning on Unauthorised Firm
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The Central Bank of Ireland has today (29 April 2024) announced the introduction of macroprudential measures for Irish-authorised GBP-denominated Liability Driven Investment (LDI) funds. Building on the recent Consultation Paper “Macroprudential measures for GBP Liability Driven Investment funds”, the measures require that GBP-denominated LDI funds authorised in Ireland maintain sufficient resilience to be able to withstand a sudden and adverse shocks to UK interest rates.
The Central Bank of Ireland (CBI) introduced binding macroprudential measures on 29 April 2024 requiring Irish-authorised GBP-denominated Liability Driven Investment (LDI) funds to maintain a minimum **300 basis point yield buffer** to withstand adverse UK interest rate shocks. This regulatory intervention directly addresses systemic risks exposed during the September-October 2022 UK gilt market crisis, where excessive leverage in LDI funds amplified financial stress across markets.
What Changed
The framework establishes the following core requirements for in-scope GBP-denominated LDI funds:
*Yield Buffer Requirement
Minimum resilience threshold of 300 basis points** increase in UK yields
CBI clarifies this is a minimum floor, not a target; funds may prudently maintain higher buffers
Assets must be sufficiently liquid under both normal and stressed market conditions
*Yield Buffer Composition Rules**
"External assets" or "third-party assets" cannot be included in the yield buffer
Non-UK rate-sensitive assets included in the buffer require appropriate risk assessment and regular...
What You Need To Do
- *For Existing Fund Managers (by 29 July 2024)
- *Audit & Classification
- *Yield Buffer Assessment
- *Portfolio Restructuring
- Removal of external/third-party assets from buffer calculations
Key Dates
29 April 2024 - CBI announces finalised macroprudential framework
29 July 2024 - Compliance deadline for existing Irish GBP-denominated LDI funds authorised before 29 April 2024 (3-month implementation period) DEADLINE
Immediate - Compliance requirement for newly authorised LDI funds after 29 April 2024 DEADLINE
Ongoing - New funds seeking authorisation must notify CBI of framework scope applicability DEADLINE
Compliance Impact
Urgency Rating: HIGH
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It has come to the attention of the Central Bank that a scam entity by the name SEI Investment (United States, Ireland), formerly operating the fraudulent clone website www.seiinvestment.com, has been claiming to be an investment firm / investment business firm in the absence of appropriate authorisations. In this instance, the scam entity cloned details and website content of the legitimate firm, SEI Investments (www.seic.com), in order to deceive consumers. The legitimate firm was proactive...
The Central Bank of Ireland (CBI) issued a warning on 26 September 2022 about a fraudulent entity named "SEI Investment (United States, Ireland)" that cloned the legitimate authorised firm SEI Investments (www.seic.com) via the fake website www.seiinvestment.com to deceive consumers into unauthorised investment services. This matters because it highlights the rising threat of clone firm scams, which impersonate authorised entities using stolen details like names, addresses, and authorisation numbers, exposing firms to reputational risk and consumers to financial loss without Investor Compensation Scheme protection. Authorised firms must remain vigilant in monitoring for clones and reporting them promptly, as demonstrated by SEI Investments' proactive response that led to the site's deactivation in February 2022.
What Changed
This is not a regulatory change or new requirement but a public enforcement warning under Section 53 of the Central Bank (Supervision and Enforcement) Act 2013, emphasising ongoing enforcement against unauthorised firms providing regulated financial services, which is a criminal offence. It reinforces consumer protection guidance without introducing new rules, but signals CBI's heightened focus on clone firm frauds, as seen in similar warnings (e.g., The Capital Holdings clone, Bank of Ireland clones).
What You Need To Do
- Monitor for clones
- Client communications
- Internal processes
- Public reporting
Key Dates
26 September 2022 - CBI issues warning notice on SEI Investment clone.
February 2022 - Fraudulent clone website www.seiinvestment.com deactivated following legitimate firm's report.
Compliance Impact
Urgency: Medium – Not critical as the specific clone site was deactivated in 2022, but medium due to persistent clone fraud trend evidenced by ongoing CBI warnings into 2026 (e.g., BW Financial Services clone in August 2025, Stalwart Investments clone in March 2026). Matters for authorised firms as it underscores reputational, operational resilience, and consumer protection obligations under CBI's supervisory framework; unaddressed clones can lead to client complaints, enforcement scrutiny, or compensation claims if mis-sold products are linked back erroneously.
Asset ManagerWealth ManagerBank 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, credit cards and overdrafts, which is backdated to 30 June 2017, is live on the system and is incorporated into credit reports. From 30 September 2018 it will be compulsory for credit...
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