Electoral Administration Bill

My Lords, mine is a de minimis question arising out of my noble friend’s amendment. I understand the difference in significance under these provisions between loans of £200 and £5,000. However, I am interested to know whether a loan that began at less than £200, which would have had no initial significance, but which then rolled up interest, in due course taking the sum above £200 in cumulative total, would have acquired the status of a regulated transaction once it passed £200.