The Department of Finance has published the EU (Consumer Mortgage Credit Agreements) Regulations 2016.  As reported by the Department of Finance, the new laws have been introduced to transpose the Mortgage Credit Directive, increasing protections for mortgage holders and increasing choice by making it easier for people to get a mortgage from banks in other EU countries.  This mortgage law complements existing consumer protection provisions in relation to residential mortgages, such as the Consumer Credit Act 1995. It also works alongside the Central Bank of Ireland Consumer Protection Code and the Code of Conduct on Mortgage Arrears and applies to all new agreements that involve consumer mortgages.