Electoral Administration Bill

My Lords, I seek clarification on this. I quite understand that it is impossible to predict the value of a capitalisation requirement, but will loans with a capitalisation clause have to be disclosed once the combined value of the original loan plus the capitalisation add up to more than £5,000? That would seem to be the logical conclusion, but I am not sure from the wording that that would be the result. That causes me some concern because, if that is the case, there would be a serious loophole here.