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  1. 5152(A) in the PRA Handbook:
    1. (a) the person providing credit under a credit agreement, or
    2. (b) a person who exercises, or has the right to exercise, the rights and duties of a person who provided credit under such an agreement.
  2. (B) in the FCA Handbook:52
    1. (a) the person providing credit under a credit agreement, or
    2. (b) a person who exercises, or has the right to exercise, the rights and duties of a person who provided credit under such an agreement; or
    3. (c) in relation to a P2P agreement other than a credit agreement or a regulated mortgage contract
        , the person providing credit under the P2P agreement.