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Status: Please note you should read all Brexit changes to the FCA Handbook and BTS alongside the main FCA transitional directions. Where these directions apply the 'standstill', firms have the choice between complying with the pre-IP completion day rules, or the post-IP completion day rules. To see a full list of Handbook modules affected, please see Annex B to the main FCA transitional directions.

CCA lender

    209has the same meaning as “creditor” under section 140C of the CCA which is, in summary:

      1. (a) a “creditor” is a person who provides the debtor with credit of any amount;
      1. (b) references to a “creditor” include:
        1. (i) a person to whom their rights and duties under the credit agreement have passed by assignment or operation of law;
        1. (ii) where two or more persons are the creditor to any one or more of those persons.