Department of Climate, Energy and the Environment With reference And to confirm Consumer Credit Act 1995 a mortgage lender means “mortgage lender” means— (a) a credit institution making housing loans, or (b) any other person of a class prescribed after consultation with the Minister for the Environment, for the purposes of the Act; Can you forward this information to me with reference to a company called IIB Homeloans Ltd. please a Ltd. company operating in Ireland as a mortgage lender can you as the current Minister for the Environment for the purposes of the Act forward under (b) above your Departments acknowledging this fact for the purposes of this Act.