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This module will profile the diversity of sources and forms of regulation which underpin the provision of retail financial services in Ireland. It will highlight the role of the Central Bank of Ireland as the national regulatory and supervisory authority and will trace the increase of its competence and powers from its establishment to date. It will identify varying legal mechanisms through which the enforcement of financial services law and regulation is undertaken, including administrative sanctioning by the Central Bank, dispute resolution through the Financial Services & Pensions Ombudsman and private rights of action through the courts. It will analyse the legal dynamic between respective national and EU authorities by assessing the impact on the Central Bank of Ireland of the mandate given to the European Banking Authority (EBA) and the European Central Bank (ECB) in post financial crisis reforms.
(Any aspect of this module may be changed in any given academic year, subject to the discretion of the module lecturer.)