(a) In this subsection -
"account" means an account maintained by a bank to which amounts in respect of goods, services or cash obtained by an individual by means of a credit card are charged;
"account holder" means the person in whose name an account is maintained by a bank;
"bank" means a credit institution or a financial institution other than a credit union or An Post and any of its subsidiaries;
'Capital Requirements Regulation' means Regulation (EU) No. 575/2013 of the European Parliament and of the Council of 26 June 2013 [OJ No. L. 176, 27.06.2013. p. 1.] on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No. 648/2012, as amended by -
(a) Commission Delegated Regulation (EU) 2015/62 of 10 October 2014 [OJ No. L. 11, 17.1.2015, p. 37.] amending Regulation (EU) No. 575/2013 of the European Parliament and of the Council with regard to the leverage ratio,
(b) Regulation (EU) 2016/1014 of the European Parliament and of the Counci
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