Section 34-30-26-1 - "Creditor"(a) As used in this chapter, "creditor" means a person:(1) that regularly engages in Indiana 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 whom the obligation arising from a mortgage 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 the following:(2) An agent of a creditor.Added by P.L. 170-2011, SEC. 15, eff. 7/1/2011.