creditor

(e) The term “creditor” means any person who regularly extends, renews, or continues credit; any person who regularly arranges for the extension, renewal, or continuation of credit; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.

Source

15 USC § 1691a(e)


Scoping language

None identified, default scope is assumed to be the parent (subchapter IV) of this section.
Is this correct? or