Seán Fleming (Laois-Offaly, Fianna Fail) | Oireachtas source

I will read the wording of the amendment as I think that will help. It states, "credit granted or made available" so everyone is covered if they make credit available. The amendment continues, "without payment of interest or any other charge, 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”. So it is one or the other and both are captured.