Section 32-30-10.5-2 - "Creditor"(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.As added by P.L. 105-2009, SEC.20.