The Exemption Regulation FMSA has been amended to include a number of churches, ideological organisations, charities, cultural organisations, scientific organisations or public service institutions as exempt from compliance under strict conditions for offering, advising or brokering in credit. This applies to providing credit to a natural person who at the moment of entering into the contract does not have any income or insufficient income or is entitled to receive a benefit. These amendments to the Exemption Regulation FMSA9 entered into force on 28 Augustus 2009 with retroactive effect to 1 January 2009.