Expand+The minimum second level educational requirements for entry to the Professional Certificate in Consumer Credit are as follows; Five passes in the Leaving Certificate, including English and Mathematics Five O Level/GCSE passes, including English Langu...

Hide-The minimum second level educational requirements for entry to the Professional Certificate in Consumer Credit are as follows; Five passes in the Leaving Certificate, including English and Mathematics Five O Level/GCSE passes, including English Language and Mathematics IOB will also consider applications on a mature candidate basis from applicants who are 23 years of age before the date of their application for admission to the programme. You must be a current member of IOB, or become a member, to undertake this programme.

Expand+Overview
At a Glance
The Professional Certificate in Consumer Credit, a single-module level 7 qualification, is a must for those working in retail consumer credit. It covers all the major areas of consumer credit including credit agreements, loans,...

Hide-Overview
At a Glance
The Professional Certificate in Consumer Credit, a single-module level 7 qualification, is a must for those working in retail consumer credit. It covers all the major areas of consumer credit including credit agreements, loans, credit cards and hire purchase as well as looking at the Consumer Credit Act 1995 and Consumer Protection Code.

For people who are interested in...
The Professional Certificate in Consumer Credit, a single-module level 7 qualification, is a must for those working in retail consumer credit. It covers all the major areas of consumer credit including credit agreements, loans, credit cards and hire purchase as well as looking at the Consumer Credit Act 1995 and Consumer Protection Code. You are introduced to key areas such as risk-assessment, issues of over-indebtedness and the supports available to consumers who find themselves in difficulty repaying credit.

How you will benefit
On successful completion of this programme, and on attaining the recognised professional designation, you will be able to;
• Describe the growth of consumer credit protection and discuss the impact of consumer credit legislation on the Irish consumer and how this impacts on the provision of financial products and services to consumers
• Discuss the pertinent credit issues, from the perspective of a lender and how they impact the consumer
• Explain the concept of over-indebtedness and describe the supports and services available to consumers who are over indebted
• Analyse the consumer credit products and services available to consumers within the regulated framework.

Designation
Accredited Product Adviser (APA)

Minimum Competency Code
This programme and attaching APA designation satisfies the Central Bank of Ireland’s Minimum Competency Code for those who wish to sell, advise on or undertake specified functions, for the category of retail financial product ‘Consumer Credit Agreements and Associated Insurances’.
Holders of the certificate are invited to apply for the APA (Consumer Credit) designation. Continued use of the designation is subject to meeting annual CPD requirements.

Continuous Professional Development
If you hold an IOB designation or a designation managed by IOB, CPD hours may be awarded on successful completion of this programme.

Expand+Modules and learning outcomes
Consumer Credit (NFQ level 7, 5 ECTS)
Describe the growth of consumer credit protection and discuss the impact of recent Consumer Credit legislation on the Irish consumer.

Discuss the pertinent credit issues, from t...

Hide-Modules and learning outcomes
Consumer Credit (NFQ level 7, 5 ECTS)
Describe the growth of consumer credit protection and discuss the impact of recent Consumer Credit legislation on the Irish consumer.

Discuss the pertinent credit issues, from the prospective of a lender and how they impact the consumer. Explain the concept of over-indebtedness and describe the supports and services available to consumers who are over indebted.

Analyse the Consumer Credit products and services available to consumers within the regulated framework.