(1) This Part applies to and in respect of high cost credit agreements and to all transactions (whatever their form) that substantially involve high cost credit.
"authorised person" means the Bank, a person authorised by the Bank for the purposes of this section, an officer of the Bank or a member of the Garda Síochána;
"certified" means certified by an authorised person;
"financial services legislation" has the same meaning as it has in the Central Bank (Supervision and Enforcement) Act 2013;
"rate of nominal monthly interest" means the advertised or stated monthly interest rate, without taking into account any fees, but including any compounding of interest applicable.