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In forceRetail intermediaries: annual return (national)Last checked 11 November 2026

Retail intermediary annual return (RIAR)

A regulatory return listed by the Central Bank of Ireland (CBI), Ireland.

A yearly return giving the Central Bank each intermediary's general details, financial position, ownership and conduct of business data (activities, staff, accredited staff, clients, complaints and product providers). The Central Bank uses it for risk-based supervision; the system flags breaches such as missing professional indemnity insurance. Source

Official title: Retail Intermediary Annual Return (RIAR)

The facts

Who files
All retail intermediaries: investment intermediaries (Investment Intermediaries Act 1995), insurance, reinsurance and tied insurance intermediaries (Insurance Distribution Regulations), mortgage credit intermediaries and mortgage intermediaries. Sole traders complete Forms 1, 2 and 4; companies and partnerships all four forms. Source
How often
Annually, based on the firm's financial position at its financial year end. Source
Deadline
Within six months of the firm's financial year end. Source
Format
Web form. Completed online in the Central Bank of Ireland Portal and signed off by a PCF holder (companies and partnerships need a second user to sign off). Source
How it is filed
Filing routes recorded for the CBI: Central Bank of Ireland Portal (formerly the Online Reporting System, ONR); MiFIR transaction reporting Machine to Machine channel; Online Reporting System (ONR), now linked as 'Credit Union Auditor Reporting'; Email to the Central Bank. See how firms file with the CBI.
Status
In force
Legal basis
Group
Retail intermediaries: annual return (national)

Templates (4)

The tables and forms inside the return. Plain name first, the CBI's code in brackets.

  • General Information (Form 1)
  • Financial Information (Form 2)
  • Ownership Information (Form 3)
  • Conduct of Business (Form 4)

Forms listed in section 1.3 of the guidance manual (v5, October 2024). Source

Validation rules

No published validation rules were found for this return. The online system shows warning and error messages (for example for professional indemnity insurance breaches), but no list of rules is published. Source

Public data

No published data from this return was found. No published data from this return was found on the Central Bank pages checked. Source

Official documents (6)

The CBI's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see CBI's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Contains Irish Public Sector Information from the Central Bank of Ireland (https://www.centralbank.ie), copyright Central Bank of Ireland, re-used under the Bank's licence for re-use of public sector information (https://www.centralbank.ie/fns/re-use-of-public-sector-information). This library summarises it in plain English and links the originals; the Central Bank of Ireland does not endorse this library.

Last checked 11 November 2026.