Creditor

Creditor means:
(i) A person who regularly extends consumer credit 3 that is subject to a finance charge or is payable by written agreement in more than four installments (not including a down payment), and to whom the obligation is initially payable, either on the face of the note or contract, or by agreement when there is no note or contract.

Source

12 CFR § 226.2


Scoping language

None
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