{"identifier":"/us/usc/t15/s1679a","title":15,"num":"\u00a7\u202f1679a.","heading":"Definitions","text":"\u00a7\u202f1679a.\nDefinitions\nFor purposes of this subchapter, the following definitions apply:\n(1)\nConsumer\nThe term \u201cconsumer\u201d means an individual.\n(2)\nConsumer credit transaction\nThe term \u201cconsumer credit transaction\u201d means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.\n(3)\nCredit repair organization\nThe term \u201ccredit repair organization\u201d\u2014\n(A) means any person who uses any instrumentality of interstate commerce or the mails to sell, provide, or perform (or represent that such person can or will sell, provide, or perform) any service, in return for the payment of money or other valuable consideration, for the express or implied purpose of\u2014\n(i) improving any consumer\u2019s credit record, credit history, or credit rating; or\n(ii) providing advice or assistance to any consumer with regard to any activity or service described in clause (i); and\n(B) does not include\u2014\n(i) any nonprofit organization which is exempt from taxation under\nsection 501(c)(3) of title 26\n(ii) any creditor (as defined in\nsection 1602 of this title\n(iii) any depository institution (as that term is defined in\nsection 1813 of title 12\nsection 1752 of title 12\n(4)\nCredit\nThe term \u201ccredit\u201d has the meaning given to such term in section 1602(e)\n1\n1 See References in Text note below.","url":"https://projectusc.org/usc/t15/s1679a.html","content":[{"t":"sec","id":"/us/usc/t15/s1679a","children":[{"t":"num","text":"\u00a7\u202f1679a."},{"t":"heading","text":"Definitions","tail":"\n"},{"t":"chapeau","text":"For purposes of this subchapter, the following definitions apply:"},{"t":"para","id":"/us/usc/t15/s1679a/1","children":[{"t":"num","text":"(1)"},{"t":"heading","text":"Consumer"},{"t":"content","children":[{"t":"p","text":"The term \u201cconsumer\u201d means an individual.","tail":"\n"}],"tail":"\n"}],"tail":"\n"},{"t":"para","id":"/us/usc/t15/s1679a/2","children":[{"t":"num","text":"(2)"},{"t":"heading","text":"Consumer credit transaction"},{"t":"content","children":[{"t":"p","text":"The term \u201cconsumer credit transaction\u201d means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes.","tail":"\n"}],"tail":"\n"}],"tail":"\n"},{"t":"para","id":"/us/usc/t15/s1679a/3","children":[{"t":"num","text":"(3)"},{"t":"heading","text":"Credit repair organization"},{"t":"chapeau","text":"The term \u201ccredit repair organization\u201d\u2014"},{"t":"subpara","id":"/us/usc/t15/s1679a/3/A","children":[{"t":"num","text":"(A)"},{"t":"chapeau","text":" means any person who uses any instrumentality of interstate commerce or the mails to sell, provide, or perform (or represent that such person can or will sell, provide, or perform) any service, in return for the payment of money or other valuable consideration, for the express or implied purpose of\u2014"},{"t":"clause","id":"/us/usc/t15/s1679a/3/A/i","children":[{"t":"num","text":"(i)"},{"t":"content","text":" improving any consumer\u2019s credit record, credit history, or credit rating; or","tail":"\n"}],"tail":"\n"},{"t":"clause","id":"/us/usc/t15/s1679a/3/A/ii","children":[{"t":"num","text":"(ii)"},{"t":"content","text":" providing advice or assistance to any consumer with regard to any activity or service described in clause (i); and","tail":"\n"}],"tail":"\n"}],"tail":"\n"},{"t":"subpara","id":"/us/usc/t15/s1679a/3/B","children":[{"t":"num","text":"(B)"},{"t":"chapeau","text":" does not include\u2014"},{"t":"clause","id":"/us/usc/t15/s1679a/3/B/i","children":[{"t":"num","text":"(i)"},{"t":"content","text":" any nonprofit organization which is exempt from taxation under ","children":[{"t":"ref","text":"section 501(c)(3) of title 26","href":"/us/usc/t26/s501/c/3","tail":";"}],"tail":"\n"}],"tail":"\n"},{"t":"clause","id":"/us/usc/t15/s1679a/3/B/ii","children":[{"t":"num","text":"(ii)"},{"t":"content","text":" any creditor (as defined in ","children":[{"t":"ref","text":"section 1602 of this title","href":"/us/usc/t15/s1602","tail":"), with respect to any consumer, to the extent the creditor is assisting the consumer to restructure any debt owed by the consumer to the creditor; or"}],"tail":"\n"}],"tail":"\n"},{"t":"clause","id":"/us/usc/t15/s1679a/3/B/iii","children":[{"t":"num","text":"(iii)"},{"t":"content","text":" any depository institution (as that term is defined in ","children":[{"t":"ref","text":"section 1813 of title 12","href":"/us/usc/t12/s1813","tail":") or any Federal or State credit union (as those terms are defined in "},{"t":"ref","text":"section 1752 of title 12","href":"/us/usc/t12/s1752","tail":"), or any affiliate or subsidiary of such a depository institution or credit union."}],"tail":"\n"}],"tail":"\n"}],"tail":"\n"}],"tail":"\n"},{"t":"para","id":"/us/usc/t15/s1679a/4","children":[{"t":"num","text":"(4)"},{"t":"heading","text":"Credit"},{"t":"content","children":[{"t":"p","text":"The term \u201ccredit\u201d has the meaning given to such term in section 1602(e)\u202f","children":[{"t":"ref","text":"1"},{"t":"num","text":"1","tail":"\u202fSee References in Text note below."},{"t":"text","text":"\u202fSee References in Text note below.","tail":" of this title."}],"tail":"\n"}],"tail":"\n"}],"tail":"\n"},{"t":"text","text":"\n"},{"t":"text","text":"\n"}]}]}