Financial Services And Markets Citation and commencement 1 1 This Order may be cited as the Financial Services and Markets Act 2000 (Miscellaneous Provisions) Order 2015. 2 It comes into force on the day after the day on which it is made. Amendments of the Financial Services and Markets Act 2000 2 1 Paragraph 2G of Schedule 6 to the Financial Services and Markets Act 2000 (threshold conditions) is amended as follows. 2 After sub-paragraph (3) insert— 3A For the purposes of sub-paragraph (3), “domestic premises supplier” means a supplier who— a sells, offers to sell or agrees to sell goods, or b offers to supply services or contracts to supply services, to customers who are individuals while the supplier, or the supplier’s representative, is physically present at the dwelling of the individual (but see sub-paragraph (3B)). 3B A supplier who acts as described in sub-paragraph (3A) on an occasional basis only will not be a domestic premises supplier unless the supplier indicates to the public at large, or any section of the public, the supplier’s willingness to attend (in person or through a representative) the dwelling of potential customers in order to carry on any of the activities mentioned in sub-paragraph (3A)(a) or (b). . 3 For sub-paragraph (5) substitute— 5 The case specified in this sub-paragraph is where the activity relates to a consumer hire agreement or a hire-purchase agreement. . 4 In sub-paragraph (6)— a insert the following definition in the appropriate place— “consumer hire agreement” has the meaning given by article 60N(3) of the Regulated Activities Order ; , and b omit the definition of “domestic premises supplier”. Amendment of the Financial Services and Markets Act 2000 (Regulated Activities Order) 2001 3 1 The Financial Services and Markets Act 2000 (Regulated Activities Order) 2001 is amended as follows. 2 For article 36F (activities carried on by members of the legal profession etc ) substitute— Activities carried on by members of the legal profession etc 36F 1 There are excluded from article 36A (credit broking) activities carried on by— a a barrister or advocate acting in that capacity; b a solicitor (within the meaning of the Solicitors Act 1974 ) in the course of providing advocacy services or litigation services; c a solicitor (within the meaning of the Solicitors (Scotland) Act 1980 ) in the course of providing advocacy services or litigation services; d a solicitor (within the meaning of the Solicitors (Northern Ireland) Order 1976 ) in the course of providing advocacy services or litigation services; e a relevant person (other than a person falling within sub-paragraph (a) to (d)) in the course of providing advocacy services or litigation services. 2 In paragraph (1)— “advocacy services” means any services which it would be reasonable to expect a person who is exercising, or contemplating exercising, a right of audience in relation to any proceedings, or contemplated proceedings, to provide for the purpose of those proceedings or contemplated proceedings; “litigation services” means any services which it would be reasonable to expect a person who is exercising, or contemplating exercising, a right to conduct litigation in relation to any proceedings, or contemplated proceedings, to provide for the purpose of those proceedings or contemplated proceedings; “relevant person” means a person who, for the purposes of the Legal Services Act 2007 , is an authorised person in relation to an activity which constitutes the exercise of a right of audience or the conduct of litigation (within the meaning of that Act). . 3 For article 39K (activities carried on by members of the legal profession etc) substitute— Activities carried on by members of the legal profession etc 39K 1 There are excluded from articles 39D, 39E, 39F and 39G activities carried on by— a a barrister or advocate acting in that capacity; b a solicitor (within the meaning of the Solicitors Act 1974) in the course of providing advocacy services or litigation services; c a solicitor (within the meaning of the Solicitors (Scotland) Act 1980) in the course of providing advocacy services or litigation services; d a solicitor (within the meaning of the Solicitors (Northern Ireland) Order 1976) in the course of providing advocacy services or litigation services; e a relevant person (other than a person falling within sub-paragraph (a) to (d)) in the course of providing advocacy services or litigation services. 2 In paragraph (1)— “advocacy services” means any services which it would be reasonable to expect a person who is exercising, or contemplating exercising, a right of audience in relation to any proceedings, or contemplated proceedings, to provide for the purpose of those proceedings or contemplated proceedings; “litigation services” means any services which it would be reasonable to expect a person who is exercising, or contemplating exercising, a right to conduct litigation in relation to any proceedings, or contemplated proceedings, to provide for the purpose of those proceedings or contemplated proceedings; “relevant person” means a person who, for the purposes of the Legal Services Act 2007, is an authorised person in relation to an activity which constitutes the exercise of a right of audience or the conduct of litigation (within the meaning of that Act). . 4 In article 60B(3) (regulated credit agreements) for the definition of “exempt agreement” substitute— “exempt agreement” means a credit agreement which is an exempt agreement under articles 60C to 60H, but where only part of a credit agreement falls within a provision of articles 60C to 60H, only that part is an exempt agreement under those articles; . 5 In article 60F (exempt agreements: exemptions relating to number of repayments to be made) for paragraph (8) substitute— 8 In this article, “payment” means any payment which comprises or includes— a the repayment of capital, or b the payment of interest or any other charge which forms part of the total charge for credit. . 6 In article 60L (interpretation of Chapter 14A etc) at the end add— 10 For the purposes of this Chapter, where a provision specifies an amount of credit, running-account credit shall be taken not to exceed the amount specified in that provision (“the specified amount”) if— a the credit limit does not exceed the specified amount; or b the credit limit exceeds the specified amount, or there is no credit limit, and— i the borrower is not enabled to draw at any one time an amount which, so far as it represents credit, exceeds the specified amount; or ii the agreement provides that, if the debit balance rises above a given amount (not exceeding the specified amount), the rate of the total charge for credit increases or any other condition favouring the lender or the lender’s associate comes into operation; or iii at the time the agreement is made it is probable, having regard to the terms of the agreement and any other relevant considerations, that the debit balance will not at any time rise above the specified amount. 11 For the purposes of this Chapter, an item entering into the total charge for credit is not to be treated as credit even though time is allowed for its payment. . 7 For article 89C (activities carried on by members of the legal profession etc) substitute— Activities carried on by members of the legal profession, etc 89C 1 There are excluded from articles 89A and 89B activities carried on by— a a barrister or advocate acting in that capacity; b a solicitor (within the meaning of the Solicitors Act 1974) in the course of providing advocacy services or litigation services; c a solicitor (within the meaning of the Solicitors (Scotland) Act 1980) in the course of providing advocacy services or litigation services; d a solicitor (within the meaning of the Solicitors (Northern Ireland) Order 1976) in the course of providing advocacy services or litigation services; e a relevant person (other than a person falling within sub-paragraph (a) to (d)) in the course of providing advocacy services or litigation services. 2 In paragraph (1)— “advocacy services” means any services which it would be reasonable to expect a person who is exercising, or contemplating exercising, a right of audience in relation to any proceedings, or contemplated proceedings, to provide for the purpose of those proceedings or contemplated proceedings; “litigation services” means any services which it would be reasonable to expect a person who is exercising, or contemplating exercising, a right to conduct litigation in relation to any proceedings, or contemplated proceedings, to provide for the purpose of those proceedings or contemplated proceedings; “relevant person” means a person who, for the purposes of the Legal Services Act 2007, is an authorised person in relation to an activity which constitutes the exercise of a right of audience or the conduct of litigation (within the meaning of that Act). . Amendment of the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 4 1 The Financial Services and Markets Act 2000 (Financial Promotion) Order 2005 is amended as follows. 2 In article 55B (insolvency practitioners) , for “who carries on” substitute “in the course of carrying on”. 3 In article 72F (credit agreements offered to employees by employers) , for paragraph (2)(a) substitute— a offered by a lender to a borrower as an incident of employment with the lender, or with an undertaking in the same group as the lender; and . 4 In paragraph 4B (credit broking) of Schedule 1— a in sub-paragraph (1)(a), after “relevant credit agreements”, insert “(other than credit agreements which are exempt agreements under the relevant provisions)”; b for sub-paragraph (1)(b), substitute— b effecting an introduction of an individual or relevant recipient of credit to a person who, by way of business, enters into as owner regulated consumer hire agreements or agreements which would be regulated consumer hire agreements but for article 60O (exempt agreements: exemptions relating to nature of agreement) or article 60Q (exempt agreements: exemptions relating to the nature of the hirer) of the Regulated Activities Order; c in sub-paragraph (1)(d), (e) and (f), after “a relevant credit agreement”, insert “(other than a credit agreement which is an exempt agreement under the relevant provisions)”; d for sub-paragraph (2), substitute— 2 For the purposes of paragraph (1)— a “relevant provisions” are article 60E(5) (exempt agreements: exemptions relating to the nature of the lender) and article 60F(exempt agreements: exemptions relating to number of repayments to be made) of the Regulated Activities Order; b it is immaterial whether the relevant credit agreement or the consumer hire agreement is subject to the law of a country other than the United Kingdom. . Gavin Barwell John Penrose Two of the Lords Commissioners of Her Majesty’s Treasury 23rd March 2015