(1) In these Regulations -
"Bank" means Central Bank of Ireland;
"Financial Services and Pensions Ombudsman" means the person appointed under section 8(1)(a) of the Financial Services and Pensions Ombudsman Act 2017 (No. 22 of 2017);
"payment service provider" means - (a) a payment service provider falling under any of the categories referred to in Article 1(1), or (b) a legal or natural person referred to in Article 26, of Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 [Note: OJ No. L 319, 05.12.2007, p. 1] but excludes the bodies which are listed in Article 2 of Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 [OJ No. L 177, 30.06.2006, p. 1] benefiting from a waiver under Article 2(3) of the first mentioned Directive;
"payment service user" means a natural or legal person making use of a payment service in the capacity of payer or payee, or both;
"relevant records" means records of information, h
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