### Question
How does EQUAL CREDIT OPPORTUNITY define applicant?


### Answer
Under *15 U.S.C. § 1691a*, **applicant** is defined as:

> any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit

#### Citation:
  - *15 U.S.C. § 1691a*
  - Heading: **CHAPTER 41-CONSUMER CREDIT PROTECTION > SUBCHAPTER IV-EQUAL CREDIT OPPORTUNITY**

