Consumer Rights (Amendment) Regulations, 2026

L.N. 145 of 2026

CONSUMER AFFAIRS ACT

(CAP. 378)

Consumer Rights (Amendment) Regulations, 2026

IN EXERCISE of the powers conferred by article 7 of the

Consumer Affairs Act, the Minister responsible for consumer affairs,

after consultation with the Consumer Affairs Council, has made the

following regulations:-

(1) The title of these regulations is the Consumer Rights

(Amendment) Regulations, 2026, and these regulations shall be read

commencement.

and construed as one with the Consumer Rights Regulations,

hereinafter referred to as the "principal regulations".

(2) The scope of these regulations is to transpose the

provisions of Directive (EU) 2023/2673 of the European Parliament

and of the Council of 22 November 2023 amending Directive 2011/83/

EU as regards financial services contracts concluded at a distance and

repealing Directive 2002/65/EC.

(3)

These regulations shall come into force on 19 June 2026.

Paragraph (d) of sub-regulation (3) of regulation 3 of the

principal regulations shall be substituted by the following new

paragraph

"(d) for financial services, unless otherwise

provided for in any other law regulating financial

services contracts concluded at a distance;".

Paragraph (h) of sub-regulation (1) of regulation 5 of the

principal regulations shall be substituted by the following new

paragraph

"(h) where a right of withdrawal exists, the conditions,

time limit and procedures for exercising such right in accordance

with regulation 13(1), as well as the model withdrawal form

established in Part B of the Schedule, and where applicable,

information about the existence and placement of the withdrawal

function referred to in regulation 13A;".

Immediately after regulation 13 of the principal regulations

there shall be added the following new regulation

(1) For distance

contracts concluded by

right of withdrawal

means of an online interface

contracts concluded

(a) the trader shall ensure that the

consumer may also withdraw from the contract

by using a withdrawal function;

(b) the withdrawal function shall be

labelled with the words "withdraw from contract

here" or an unambiguous corresponding

formulation in an easily legible way; and

(c) the withdrawal function shall be

continuously

available

throughout

the

withdrawal period, and shall be prominently

displayed on the online interface and easily

accessible to the consumer.

(2) The withdrawal function shall enable the

consumer to send an online withdrawal statement

informing the trader of his decision to withdraw from

the contract. Such online withdrawal statement shall

enable the consumer to easily provide or confirm the

following information

(a) his name;

(b) the details identifying the contract

from which he intends to withdraw; and

(c) the details of the electronic means by

which the confirmation of the withdrawal shall

be sent to the consumer.

(3) Once the consumer has completed the

online withdrawal statement in accordance with sub-

regulation (2), the trader shall enable the consumer to

submit the statement by means of a confirmation

function. Such confirmation function shall be labelled

in an easily legible manner, and labelled only with the

words "confirm withdrawal" or with an unambiguous

corresponding formulation.

(4) Once the consumer activates the

confirmation function, the trader shall send to the

consumer an acknowledgement of the receipt of the

withdrawal on a durable medium, including its content

and the date and time of its submission, without undue

delay.

(5) The consumer shall be considered to have

exercised his right of withdrawal within the relevant

withdrawal period if he submitted the online

withdrawal statement referred to in this regulation

before such period expired.".

5. Item [3] in Part A of the Schedule to the principal

regulations shall be substituted by the following new item

"[3] If you are under an obligation to provide a function to

allow the consumer to withdraw from the contract concluded

online, insert the following: "You can also exercise your right of

withdrawal online at [insert internet address or another

appropriate explanation of where the withdrawal function is

available]. If you use this online feature, we shall send you an

acknowledgement of receipt of the withdrawal on a durable

medium (e.g. by email), including its content and the date and

time of its submission, without undue delay." If you give the

option to the consumer to electronically fill in and submit

information about his withdrawal from the contract on your

website, insert the following: "You can also electronically fill in

and submit the model withdrawal form or any other unequivocal

statement on our website [insert the internet address]. If you use

this option, we shall communicate to you an acknowledgement

of receipt of such a withdrawal on a durable medium (e.g. by

email) without delay.".

€0.27