CBTL adviser

179a person who, in the course of their trade, business or profession, provides personal recommendations to a CBTL consumer in respect of one or more transactions relating to CBTL credit agreements otherwise than:

1. (a) in an incidental manner in the course of a professional activity regulated by legal or regulatory provisions or a code of ethics governing the profession which do not exclude the making of those recommendations; or
2. (b) in the context of managing existing debt as an insolvency practitioner where that activity is regulated by legal or regulatory provisions or as part of public or voluntary debt advisory services which do not operate on a commercial basis.

[Note: article 6 of the MCD Order]