(1) In these Regulations -

"the 2000 Act" means the Financial Services and Markets Act 2000 [2000 c.8. Relevant amending instruments are the Financial Services Act 2010 (c. 2), sections 12(1) to (4),13(1) to (4) and 24(1) and (2) and Schedule 2, paragraphs 1, 8 to 10, 15 to17, 20 and 26; S.I. 2009/209, S.I. 2010/22, S.I. 2011/99 and S.I.2012/916.];

"the Authority" means the Financial Conduct Authority;

"the 2009 Regulation" means Regulation (EC) No 924/2009 of the European Parliament and of the Council on cross-border payments in the Community and repealing Regulation 2560/2001 [OJ No L 266, 9.10.2009, p.11.];

"the 2012 Regulation" means Regulation (EU) No 260/2012 of the European Parliament and of the Council on establishing technical and business requirements for credit transfers and direct debits in euro and amending Regulation (EC) No 924/2009 [OJ No L 94, 30.3.2112, p.22.];

"the Regulations" means the 2009 Regulation or the 2012 Regulation;