IC 24-5-23.5-3: "Creditor"

Sec. 3. (a) As used in this chapter, "creditor" means a person:

(1) that regularly engages in Indiana in the extension of mortgage loans 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 whom the obligation arising from a mortgage loan 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 does not include a person described in:

(1) IC 37-5-2-6(a)(2) if the person described in IC 37-5-2-6-6(a)(2) is not the person extending the credit in the transaction; or

(2) IC 37-5-2-6(b).