Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

I understand that but there are two key points. One concerns the conditions under which the credit provider would fall under the scope of Central Bank regulation, whereby it has to invite consumers to avail of credit by way of advertising. My concern is that the credit provider is not offering the invitation or doing the advertising; it is the shop that is doing the advertising.