Plain-English definitions.

A

Application Published

The UK Intellectual Property Office (IPO) status that means a trade-mark application has been accepted as meeting the formal requirements and has been published in the Trade Marks Journal for two months. During that window, third parties with prior rights can file an opposition. The new CREDITCORP mark is currently in this status — see /trade-marks/.

Article 60B (FSMA RAO 2001)

The article of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 that defines when entering into a credit agreement as lender is a regulated activity. A "credit agreement" within Article 60B requires the borrower to be an "individual" or a "relevant recipient of credit" — see Article 60L. /lending-and-regulation/

Article 60L (FSMA RAO 2001)

The definitions article that sits with Article 60B. Defines "relevant recipient of credit" as a small mixed partnership or unincorporated body, explicitly excluding bodies corporate. "Individual" carries its ordinary natural-person meaning. Full text on legislation.gov.uk.

B

Body corporate

A legal entity with separate legal personality from its members. UK private limited companies are bodies corporate under section 16 of the Companies Act 2006; UK limited liability partnerships are bodies corporate under section 1 of the LLP Act 2000. Lending to a body corporate is outside Article 60B FSMA RAO 2001. /lending-and-regulation/

C

CCA 1974 (Consumer Credit Act 1974)

The Act that governs credit agreements made with individuals and small non-corporate partnerships. It does not apply to lending to a UK limited company or LLP.

Coexistence agreement

A written agreement between two trade-mark holders setting out consent to each other's marks and how the marks may be used in parallel. The CreditCorp Group's coexistence agreement between Credicorp Limited and CM Beyer Limited was signed 30 April 2026, governed by English law. Download the PDF.

Companies House

The UK statutory register of companies. Records here are the source of truth for UK company names, numbers, registered offices, directors, accounts and charges. find-and-update.company-information.service.gov.uk

Credit agreement (within Article 60B)

A specific defined term in Article 60B(3): "an agreement between an individual or relevant recipient of credit ('A') and any other person ('B') under which B provides A with credit of any amount." If the borrower is neither an individual nor a relevant recipient of credit, the agreement is not a credit agreement within Article 60B at all. /lending-and-regulation/

F

FCA (Financial Conduct Authority)

The UK regulator for financial services. Among other things, the FCA authorises firms to carry on regulated activities including consumer-credit lending. Credicorp Limited is not authorised by the FCA. FCA register.

FCA Firm Reference Number (FRN)

The unique number the FCA gives to each authorised firm. Lenders that hold FCA permissions typically display their FRN on their site. Credicorp Limited does not hold FCA permissions for lending and therefore does not have an FRN for that activity.

Figurative trade mark

A trade mark filed with a specific visual design (stylised type, colours, devices), not as a pure text word mark. Both CreditCorp Group marks — CrediCorp and CREDITCORP — are figurative marks. /trade-marks/

Financial promotion (s.21 FSMA)

A communication, in the course of business, that is an "invitation or inducement to engage in investment activity". Restricted by section 21 of FSMA 2000 to authorised persons or communications approved by an authorised person. For credit, "investment activity" means entering a "relevant credit agreement" as lender — which mirrors the Article 60B test. So financial promotions of body-corporate-only lending sit outside s.21. /lending-and-regulation/

FOS (Financial Ombudsman Service)

A statutory dispute-resolution body for consumer financial-services complaints. FOS jurisdiction follows regulated activities; it does not cover Credicorp's business lending. financial-ombudsman.org.uk

FPO (Financial Promotion Order 2005)

The Treasury order that defines which activities are "controlled activities" for the purposes of s.21 FSMA. The relevant credit activity is at Schedule 1, paragraph 10BA. Full text on legislation.gov.uk

FSCS (Financial Services Compensation Scheme)

A statutory compensation scheme that pays out if an authorised firm fails. FSCS coverage is for authorised firms; it does not cover Credicorp's business lending.

FSMA (Financial Services and Markets Act 2000)

The principal UK Act governing financial services. Includes s.21 (financial promotions). Read with the Regulated Activities Order 2001, which contains Articles 60B and 60L.

L

LLP (Limited Liability Partnership)

A UK body corporate created under the Limited Liability Partnerships Act 2000. Section 1(2) of the Act confirms an LLP has separate legal personality. Like a limited company, an LLP is not an "individual" for Article 60B purposes.

N

Nice classification

The international classification of goods and services used by trade-mark offices worldwide, with 45 classes. Class 36 covers financial services; Class 45 covers legal services; Class 35 covers advertising and business administration. The CrediCorp mark is registered in Classes 36 and 45; the CREDITCORP application is in Classes 35 and 36.

O

Opposition window

The two-month period (extendable to three months by a TM7A) from publication of a trade-mark application during which third parties with prior rights can file an opposition. For CREDITCORP, the window closes around 15 July 2026.

P

Personal guarantee

A separate contract under which a director (or another individual) agrees to be personally liable for a company's debt if the company defaults. Credicorp does not take a personal guarantee — borrowing is at the company level only. /products/

R

Regulated activity

An activity that requires Financial Conduct Authority authorisation under FSMA. The full list is in the FSMA Regulated Activities Order 2001. "Entering into a regulated credit agreement as lender" is a regulated activity under Article 60B — but only when the agreement meets the Article 60B definition.

Relevant credit agreement

The s.21 FSMA / FPO 2005 analogue of Article 60B's "credit agreement". Same borrower-status test: individual or relevant recipient of credit. Body-corporate borrowers are excluded.

Relevant recipient of credit

Defined in Article 60L: "a partnership consisting of two or three persons not all of whom are bodies corporate, or an unincorporated body of persons which does not consist entirely of bodies corporate and is not a partnership." Bodies corporate are excluded.

S

Sole trader

An individual carrying on business in their own name (not via a company or LLP). Credicorp does not lend to sole traders.

T

TM7A

The UK IPO form filed by a third party during the first two months of a trade-mark application's opposition window to extend the window to three months. Used when the third party needs more time to decide whether to oppose.

Trade Marks Journal

The UK Intellectual Property Office's weekly publication of trade-mark applications, registrations and other notices. Each issue is identified by year/issue number — e.g. CREDITCORP was first advertised in 2026/020, published 15 May 2026.

U

UK IPO (UK Intellectual Property Office)

The UK government agency responsible for granting and maintaining intellectual-property rights including trade marks. Operating name of the Patent Office. ipo.gov.uk

W

Wordmark

A trade mark consisting of a name or short phrase rather than a logo or device. Both CreditCorp Group marks are filed as figurative wordmarks — the name in a specific visual treatment.

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