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(A) in the PRA Handbook :151
(1) (except in52 relation to52 17 70 ICOBS 70 , MCOB 3 CASS 5 17 ) a client who is not 52 an eligible counterparty for the relevant purposes52 .14 3
(2) (in52 relation to52 MCOB 3 14 17 ) a person in (1) or a person who would be such a person if he were a client .
(3) (in relation to52 70 ICOBS 70 ) a person who is44 a policyholder , or a prospective policyholder 44 but (except in70 ICOBS 2 70 (general 70 matters70 ), 70 and (in respect of 70 that chapter70 )70 ICOBS 1 70 (application70 )) excluding a policyholder or prospective policyholder who does not make the arrangements preparatory to him concluding the contract of insurance 44 .17
(4) (in relation to52 CASS 5 client .17
(B) in the FCA Handbook :151
(1) (except in relation to ICOBS , a credit-related regulated activity , MCOB 3 CASS 5 client who is not an eligible counterparty for the relevant purposes.
(2) (in relation to MCOB 3 person in (1) or a person who would be such a person if he were a client .
(3) (in relation to ICOBS ) a person who is a policyholder , or a prospective policyholder but (except in ICOBS 2 ICOBS 1 policyholder or prospective policyholder who does not make the arrangements preparatory to him concluding the contract of insurance .
(4) (in relation to CASS 5 client .
(5) (in relation to a credit-related regulated activity ) an individual who enters, may enter or has entered into a credit agreement or a consumer hire agreement ; and:
157 (-a) (in relation to consumer credit lending ) includes an individual who the firm treats as a person who is, or has been, the borrower under a regulated credit agreement ; 157 (-aa) (in relation to consumer hiring ) includes an individual who the firm treats as a person who is, or has been, the hirer under a regulated consumer hire agreement ; (a) (in relation to credit broking ) an individual who uses, may use or has used the services of a firm in carrying on that regulated activity ;
(b) (in relation to operating an electronic system in relation to lending ) an individual who is, may be, has been or may have been the borrower under a P2P agreement ;
(c) (in relation to debt adjusting ) an individual who uses, may use or has used the services of a firm in carrying on that regulated activity ;
(d) (in relation to debt counselling ) an individual who uses, may use or has used the services of a firm in carrying on that regulated activity ;
(e) (in relation to debt collecting ) a person within (i) to (iv) in relation to whom the firm takes steps to procure the payment of a debt due under a credit agreement or a consumer hire agreement or a P2P agreement (whether or not that person is a party to the credit agreement or consumer hire agreement or P2P agreement ):
(i) an individual who is or has been the borrower under a credit agreement , or is or has been the hirer 152 under a consumer hire agreement , or is or has been the borrower under a P2P agreement ;
(ii) an individual who the firm treats as a person 152 within (i);
(iii) a person providing a guarantee or indemnity under the agreement; and
(iv) a person to whom the rights and duties of a person within (iii) have passed by assignment 152 or operation of law;
(f) (in relation to debt administration ) a person within (i) to (iv) in relation to whom the firm takes steps to perform duties or exercise or enforce rights under a credit agreement on behalf of the lender or under a consumer hire agreement on behalf of the owner or under a P2P agreement on behalf of the lender :
(i) an individual who is or has been the borrower under a credit agreement , or is or has been the hirer under a consumer hire agreement , or is or has been the borrower under a P2P agreement ;
(ii) an individual who the firm treats as a person 152 within (i);
(iii) a person providing a guarantee or indemnity under the agreement; and
(iv) a person to whom the rights and duties of a person within (iii) have passed by assignment 152 or operation of law;
(g) (in relation to providing credit information services ) an individual who uses, may use or has used the services of a firm in carrying on that regulated activity ; and
(h) (in relation to providing credit references ) an individual about whom information relevant to the individual's 152 financial standing is or was, may be or may have been held by the credit reference agency .
