BIPRU regulations primarily govern which types of entities?

The BIPRU regulations, which stand for the Capital Requirements Directive (CRD) and the prudential requirements that apply to banks and investment firms, are primarily focused on credit institutions and investment firms. These regulations are designed to ensure that these financial entities maintain adequate capital reserves to cover their risks and protect against potential economic downturns.

Credit institutions include banks that take deposits and provide various types of financial services, while investment firms focus on brokerage and investment advisory services. The regulations set out standards for risk management, capital adequacy, and reporting requirements that are essential for the stability and integrity of the financial system. By focusing on these entities, BIPRU aims to enhance the resilience of the banking sector and ensure that firms operate in a sound and prudent manner.

The other options do not align with the regulatory scope of BIPRU, as consumer finance companies, non-profit organizations and charities, and e-commerce platforms fall outside the specific framework that BIPRU establishes for banks and investment services.