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customer

      1. (A) in the PRA Handbook:151
      1. (1) (except in52 relation to521770 ICOBS 70 , MCOB 3 and CASS 517) a client who is not 52an eligible counterparty for the relevant purposes52.143
      1. (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.
      1. (3) (in relation to5270 ICOBS 70 ) a person who is44 a policyholder, or a prospective policyholder44 but (except in70 ICOBS 2 70 (general 70matters70), 70 and (in respect of 70that 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 insurance44.17
      1. (4) (in relation to52 CASS 5) a client.17
      1. (B) in the FCA Handbook:151
      1. (1) (except in relation to ICOBS, a credit-related regulated activity, 174 MCOB 3A, an MCD credit agreement174 and CASS 5) a client who is not an eligible counterparty for the relevant purposes.
      1. (2) (in relation to174 MCOB 3A 174 ) a person in (1) or a person who would be such a person if he were a client.
      1. (2A) (in relation to an MCD credit agreement) a consumer.174
      1. (3) (in relation to ICOBS) a person who is a policyholder, or a prospective policyholder but (except in ICOBS 2 (general matters) and (in respect of that chapter) ICOBS 1 (application)) excluding a policyholder or prospective policyholder who does not make the arrangements preparatory to him concluding the contract of insurance.
      1. (4) (in relation to CASS 5) a client.
      1. (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:
        1. 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;
        1. 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;
        1. (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;
        1. (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;
        1. (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;
        1. (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;
        1. (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):
          1. (i) an individual who is or has been the borrower under a credit agreement, or is or has been the hirer152 under a consumer hire agreement, or is or has been the borrower under a P2P agreement;
          1. (ii) an individual who the firm treats as a person152 within (i);
          1. (iii) a person providing a guarantee or indemnity under the agreement; and
          1. (iv) a person to whom the rights and duties of a person within (iii) have passed by assignment152 or operation of law;
        1. (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:
          1. (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;
          1. (ii) an individual who the firm treats as a person152 within (i);
          1. (iii) a person providing a guarantee or indemnity under the agreement; and
          1. (iv) a person to whom the rights and duties of a person within (iii) have passed by assignment152 or operation of law;
        1. (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
        1. (h) (in relation to providing credit references) an individual about whom information relevant to the individual's152 financial standing is or was, may be or may have been held by the credit reference agency.