IC 37-2-2-15: "Creditor"

Sec. 15. "Creditor" means a person:

(1) who regularly engages in the extension of consumer credit that is subject to a credit service charge or loan finance charge, as applicable, or is payable by written agreement in more than four (4) installments (not including a down payment); and

(2) to whom the obligation is initially payable, either on the face of the note or contract, or by agreement when there is not a note or contract.