Seán Fleming (Laois-Offaly, Fianna Fail)
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I believe we are ad idemon this regarding the customer in the shop. The customer who buys something in a shop may be told to pay for it now and at the end of one, two and three months, not aware that credit is being provided to the shop. This is where the arrangement is solely between the customer and the shop. Klarna or any other such company is not involved in any transaction involving the customer. I am referring to where the customer is aware the product he or she is buying has been partly financed by a finance company, through credit to the shop, but where there is no connection between the customer and that actual credit provider. It can work both ways. One can buy something through an arrangement with a credit company through a shop. Now some shops make it much simpler in that they actually arrange the credit themselves. They are in credit and the customer is not part of that credit arrangement. The proposal is to make sure the company providing credit to the shop but not the customer is captured under this legislation. I am referring to where there is no contractual link between the customer and credit provider. Where there is a link between the shop and the credit provider that the customer might not even be aware of, it will now be captured. I hope I am making myself clear on this.