15 U.S. Code § 1679a - Definitions
For purposes of this subchapter, the following definitions apply:
(2) Consumer credit transaction
The term “consumer credit transaction” means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.
(3) Credit repair organization
The term “credit repair organization”—
(A) means any person who uses any instrumentality of interstate commerce or the mails to sell, provide, or perform (or represent that such person can or will sell, provide, or perform) any service, in return for the payment of money or other valuable consideration, for the express or implied purpose of—
(B) does not include—
(ii) any creditor (as defined in section 1602 of this title), with respect to any consumer, to the extent the creditor is assisting the consumer to restructure any debt owed by the consumer to the creditor; or
 See References in Text note below.
Source(Pub. L. 90–321, title IV, § 403, as added Pub. L. 104–208, div. A, title II, § 2451,Sept. 30, 1996, 110 Stat. 3009–455.)
References in Text
Section 1602 (e) of this title, referred to in par. (4), was redesignated section 1602 (f) of this title by Pub. L. 111–203, title X, § 1100A(1)(A),July 21, 2010, 124 Stat. 2107.