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A Credit Reference Letter is a crucial document in the Irish banking and financial services landscape, issued by financial institutions to verify and attest to a customer's banking relationship and creditworthiness. The document is typically requested when establishing new business relationships, applying for loans, seeking tenancy, or engaging in significant financial transactions. Under Irish law, these letters must comply with various regulations including the Credit Reporting Act 2013, GDPR, and relevant Central Bank guidelines. The letter provides authorized information about the customer's financial standing, account handling, and credit history, while maintaining appropriate confidentiality and data protection standards. The scope and detail of information provided are determined by both regulatory requirements and the specific authorization granted by the customer.

1. Letter Header: Bank's letterhead, date, reference number, and contact details

2. Recipient Details: Full name and address of the institution or person requesting the reference

3. Subject Details: Full name, address, and account identification details of the customer being referenced

4. Account Information: Details of the banking relationship, including length of relationship and types of accounts held

5. Financial Standing: Statement about the customer's financial standing and handling of accounts

6. Credit Facilities: Information about existing credit facilities and their performance

7. Authorization Reference: Reference to the customer's authorization to release this information

8. Disclaimer: Standard banking disclaimer about the information provided

9. Signature Block: Authorized signatory details, including name, position, and signature