At Dubco Ireland Credit Union, we are committed to transparency, accountability, and full compliance with all regulatory requirements. As a member owned and autonomous financial cooperative, Dubco Ireland operates under a robust governance framework rooted in legislation and guided by our core principles.

Legislation and Regulatory Framework

Dubco Ireland Credit Union operates in full compliance with the Credit Union Acts 1997–2012 and our own Registered Credit Union Rules, as approved by the Registrar of Credit Unions.

We are an independent, self-managed credit union that makes decisions in the best interests of our 17,800+ members, while aligning with all legal, financial, and regulatory obligations under Irish law.

Regulated by the Central Bank of Ireland

As a regulated entity, Dubco Ireland Credit Union reports directly to the Central Bank of Ireland through the Registrar of Credit Unions. We provide regular reports on:

• Financial performance and reserves
• Provisioning and write-offs
• Lending and credit control policies
• Risk and compliance procedures

We are fully compliant with all applicable legislation, including:

• Anti-Money Laundering (AML) regulations
• Data Protection (GDPR) requirements
• Revenue and taxation reporting standards

Board of Directors – Member Elected & Accountable

The Board of Directors at Dubco Ireland is elected by members at our Annual General Meeting (AGM). This board is responsible for:

• Strategic direction and policy oversight
• Financial stewardship and governance
• Ensuring regulatory compliance and ethical management

Each Director serves a term of up to three years and may seek re-election, subject to the maximum term limits as outlined in credit union legislation. Only members aged 18+ who meet the fitness and probity standards set by the Central Bank of Ireland are eligible for election.

Board Oversight Committee – Independent Monitoring

The Board Oversight Committee, also elected by members, is tasked with monitoring the performance of the Board of Directors. This committee ensures that the Board operates:

• In accordance with credit union laws and regulations
• In the best interests of members
• Transparently and ethically

All members of the Board Oversight Committee must also be members of Dubco Ireland Credit Union.

Member Confidentiality & Data Security

All Board members, Committee members, and staff of Dubco Ireland Credit Union are required to sign a pledge of confidentiality, ensuring the privacy and protection of all member information.

We take member confidentiality seriously and operate with the highest standards of data protection and information security, in line with GDPR and credit union ethics.

Trusted, Transparent, and Member Focused Governance

At Dubco Ireland Credit Union, our governance structure ensures that we remain accountable to you, our members, while maintaining the highest standards in financial compliance, transparency, and integrity. We're proud to be part of Ireland’s most trusted financial services movement.