For the purposes of this Regulation, the following definitions apply:
(1) 'consumer' means a natural person who is acting for purposes other than his or her trade, business or profession;
(2) 'customer' means a natural or a legal person who makes use of financial products and services;
(3) 'customer data' means personal and non-personal data that is collected, stored and otherwise processed by a financial institution as part of their normal course of business with customers which covers both data provided by a customer and data generated as a result of customer interaction with the financial institution;
(4) 'competent authority' means the authority designated by each Member State in accordance with Article 17 and for financial institutions it means any of the competent authorities listed in Article 46 of Regulation (EU) 2022/2554;
(5) 'data holder' means a financial institution other than an account information service provider that collects, stores and otherwise processes the data li
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