(1) For the purposes of the provisions listed in paragraph (3), "consumers" includes persons -
(a) who before 1st April 2014 used a relevant credit service,
(b) who have rights or interests which are derived from, or are otherwise attributable to, the use of any such services by other persons, or
(c) who have rights or interests which may be adversely affected by the use of any such services by persons acting on their behalf or in a fiduciary capacity in relation to them.
(2) For the purposes of paragraph (1), "relevant credit services" are services provided -
(i) by a person who held or was covered by a licence under the 1974 Act, or
(ii) in carrying on a consumer credit business or an ancillary credit business (in each case, within the meaning of the 1974 Act).
(3) The provisions are -
(a) section 1G of the Act [Section 1G was inserted by the Financial Services Act 2012, section 6.] (meaning of consumer);
(b) section 1Q of the Act (Consumer Panel);
(c) section 391(6)(b) of the Act [S
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