115.—(1) This Part shall apply to a housing loan made by a mortgage lender.

(2) In this Part—

F175["authorised person" means the Bank, a person authorised by the Bank for the purposes of this section, a delegate of the Bank or a member, officer or employee of such a delegate;

"certified" means certified by an authorised person;]

“endowment loan” means a housing loan which is to be repaid out of the proceeds of an insurance policy on its maturity, other than a policy providing mortgage protection insurance only;

“information document” means any document, leaflet, notice, circular, pamphlet, brochure, film, video or facsimile issued to the general public or to certain persons (whether solicited or not) for the purpose of giving information in relation to housing loans;

“insurance commission” means a payment or other remuneration, reward or benefit in kind, paid or payable by or on behalf of the insurer to any person in connection with the insurance business of the insurer and includes the time allowed by the insurer to that person for the payment by that person to the insurer of premiums received by that person for the insurer for contracts of insurance entered into by the insurer;

“insurance intermediary” means an insurance agent or insurance broker within the meaning of the Insurance Act, 1989;

“insurer” has the meaning assigned to it by the Insurance Act, 1989;

“mortgage agent” means any or all of the following:

(a) a mortgage lender,

(b) a mortgage intermediary,

(c) an insurer, or

(d) an insurance intermediary;

“subsidiary” has the same meaning assigned to it by section 155 of the Companies Act, 1963.