Klarna Docs - Advertising Standards Authority

Advertising Standards Authority

The Advertising Standards Authority of Ireland  (“ASAI”) is Ireland’s advertising regulator and responsible for applying the Manual of Advertising Self-Regulation with the Code of Standards for Advertising, Promotional and Direct Marketing in Ireland. These apply to all Irish firms.

The ASAI considers all complaints about non-technical aspects of advertisements in non-broadcast media. For example, offence, social responsibility, fear and distress and competitor denigration. The ASAI also assesses complaints about broadcast advertisements. The ASAI investigates general advertising complaints and can:

  • Require changes to advertising or ban advertising
  • Publish findings and decisions on the ASAI website
  • Refer a complaint to National Standards Authority of Ireland (NSAI), who have a broader range of enforcement powers available to them. NSAI can, for example, take legal action resulting in possible (unlimited) fines and/or imprisonment

ASAI General Rules

Relevant principles

  • Marketing communications in the media and sales promotions should be legal, decent, honest and truthful and should not mislead the consumer.
  • Primary responsibility for observing the Code rests with advertisers, promoters and direct marketers.
  • Marketing communications should be prepared with a sense of responsibility to consumers and to society.

Consumer Credit Act 1995 advertising requirements

  • The APR. The display of any other rate of interest is not allowed. The APR must be as prominent as any other figure shown (i.e. 0% APR).
  • The period over which payments are required.
  • The total cost of credit.
  • Details of the deposit required (or confirmation that none is required). 
  • Whether the required payments are payable monthly, bi-monthly etc.
  • The total number of payments required.
  • Details of any other payments required (i.e. Arrangement fee/documents fee)
  • An indication of any restriction that applies to the availability of credit.