Pearse Doherty (Donegal, Sinn Fein) | Oireachtas source

Where is the credit provider unconditionally captured under this legislation? I ask because it is conditional in the amendment, which very clearly states "other than where such credit is granted". Let us say one goes into a corner shop for a loaf of bread and a pint of milk but one asks the shopkeeper to record the amount in a book or put it on tick or says one will pay for the items next week. Those people are not captured in the legislation. The people who are captured are "other than where such credit is granted or made available by a person who has invited, by way of advertisement, consumers to avail of such credit". The problem here is that when Topshop invites customers to get this credit it would be captured but Topshop would not because it has not made any credit available and Klarna, potentially, would not be captured here because it made the credit available but did not invite anybody personally to avail of the credit because the shop did so. That is my concern.