Article 3 Definitions of persons from whom information may be obtained

for the definition of “bank” substitute—

• ““bank” means—

  1. (a)

     a person who has permission under Part IV of the Financial Services and Markets Act 2000 (c. 8) to accept deposits;

  2. (b)

     an EEA firm of the kind mentioned in paragraph 5(b) of Schedule 3 to that Act which has permission under paragraph 15 of that Schedule (as a result of qualifying for authorisation under paragraph 12 of that Schedule) to accept deposits or other repayable funds from the public; or

  3. (c)

     a person who does not require permission under that Act to accept deposits, in the course of his business in the United Kingdom;”;

after the definition of “credit” insert—

• ““insurer” means—

  1. (a)

     a person who has permission under Part IV of the Financial Services and Markets Act 2000 to effect or carry out contracts of insurance; or

  2. (b)

     an EEA firm of the kind mentioned in paragraph 5(d) of Schedule 3 to that Act, which has permission under paragraph 15 of that Schedule (as a result of qualifying for authorisation under paragraph 12 of that Schedule) to effect or carry out contracts of insurance;”;