(b) any person who, in connection with the conclusion of the contract, has acted on behalf of the creditor (or, if there is more than one lender, one of the lenders), (6) Where a creditor is a partner of the supplier, the credit agreement shall be treated as if it had been concluded under agreements already concluded between the creditor and the supplier; unless the lender is able to prove that this is not the case. the requirements of or in accordance with Article 82 of the CSF (amendment of agreements). 10 That law amended the definition of `consumer credit`, which was previously regarded as the main source of uncertainty within the CCA. The amended definition extended the activity of consumer credit to persons who otherwise become «lenders». Some commentators considered that this eliminated ambiguity in the application of the CSF, although such an argument was still based on a less strict interpretation of the concept of `creditor`.