Creditor

Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that the person receives an assignment or transfer of a debt in default solely for the purpose of facilitating the collection of debt for another.

Source

12 CFR § 1090.105

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Scoping language

Market-Related definitions. As used in this subpart:

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