Sec. 2. (a) As used in this chapter, "creditor" means a person: (1) that regularly engages in the extension of mortgages that are subject to a credit service charge or loan finance charge, as applicable, or are payable by written agreement in more than four (4) installments (not including a down payment); and (2) to which the obligation is initially payable, either on the face of the note or contract, or by agreement if there is not a note or contract. (b) The term includes a mortgage servicer.
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