(1) The Act shall not regulate a consumer credit agreement concluded with -
(a) an investment firm, or
for the purposes of allowing a debtor to carry out a transaction relating to one or more of the instruments listed in Section C of Annex 1 to MIFID, where the investment firm or credit institution providing the credit is involved in that transaction.
(2) In this article -
"credit institution" means an undertaking the business of which is to receive deposits or other repayable funds from the public and to grant credits on its own account;
"investment firm" has the meaning given in article 4.1.1 of MIFID;
"MIFID" means Directive 2004/39/EC of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments".