"Creditor"
Ind. Code § 24-5-23.5-3
in effectSec. 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).
As added by P.L.52-2009, SEC.2. Amended by P.L.115-2026, SEC.29.
Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://iga.in.gov/laws/2026/ic/titles/24Fetched: 10/17/2026