"Act of 1995" means the Consumer Credit Act 1995;
"Appeals Tribunal" means the Irish Financial Services Appeals Tribunal established under Part VIIA of the Central Bank Act 1942;
"authorisation" means an authorisation of a person to carry on a regulated business and, if an authorisation is amended in accordance with section 34, means the authorisation as amended;
"bureau de change business" means a business that comprises or includes providing members of the public with a service that involves buying or selling foreign currency, other than a service that is provided - (a) by a person or body that is required to be licensed, registered or otherwise authorised by the Bank under a designated enactment (other than under this Part) or designated statutory instrument, or (b) [deleted] (c) by a person or body on an ancillary basis in the ordinary course of providing services to customers of the person or body;
"consumer" means - (a) an individual acting otherwis
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