EBS d.a.c. is a small financial institution in Ireland registered as a designated activity company. In June 2022, the Irish government's Central Bank of Ireland reprimanded and fined EBS d.a.c. trading as EBS €13.4m for a series of significant and long-running failings in the treatment of its mortgage customers, between August 2004 and June 2020. As a result of this investigation alone, the EBS has admitted to 36 separate regulatory breaches.