For purposes of this part:
Alternative mortgage transaction means a loan, credit sale, or account:
Creditor shall have the same meaning as in 12 CFR 226.2 .
Housing creditor means:
State means any State of the United States of America, the District of Columbia, Puerto Rico, the Virgin Islands, the Northern Mariana Islands, American Samoa, Guam, and any other territory or possession of the United States.
State law means a State constitution, statute, or regulation or any provision thereof.
12 C.F.R. § 1004.2