N.J. Stat. § 56:8-205
As used in this act:
"Consumer" means a purchaser or lessee of a motor vehicle normally used for personal, family, or household purposes.
"Creditor" means a dealer or lender, or any assignee of a dealer or lender.
"Dealer" means a person who is licensed as a motor vehicle dealer or leasing dealer under R.S. 39:10-19 and actively engaged in the business of buying, selling, exchanging, or leasing new or used motor vehicles at retail and who has an established place of business.
"Financing agreement" means an agreement, through a bargained communication or written contract, of an extension of a loan or other line of credit by a lender to a borrower toward the purchase of a motor vehicle.
"Lease agreement" has the same meaning as defined in section 2 of P.L. 1988, c.123 (C.56:12-30).
"Lender" means an agent, officer, director, and employee of a lender, or any person who solicits, arranges for, or otherwise participates or assists in the making of loans, or in any way acts as an intermediary between a borrower and a lender in effecting loans related to the sale or lease of a motor vehicle.
"Lessee" has the same meaning as defined in section 2 of P.L. 1988, c.123 (C.56:12-30).
"Motor vehicle" has the same meaning as defined in R.S. 39:1-1.
"Payment assurance device" means a device installed on a motor vehicle with global positioning system capability, starter interrupt capability allowing for the remote enabling or disabling of the motor vehicle, or both, and which is installed pursuant to a motor vehicle consumer's financing agreement or lease agreement.
N.J.S. § 56:8-205