The persons responsible for providing the borrower with explanations of the loans mentioned in articles L. 312-1 to L. 312-3 and to collect the information needed to draw up the sheet provided for in article L. 312-17 are trained in the distribution of consumer credit and the prevention of over-indebtedness. The employer of these persons shall make available, for control purposes, the training certificate referred to in article L. 6353-1 du code du travail, established by one of the lenders whose loans are offered, at the point of sale or by a registered training organisation. The minimum requirements that this training must meet are defined by decree.