### Question
How is the "creditor" defined?


### Answer
The term **creditor** is defined in *12 U.S.C. § 1701x* as follows -

> a person or entity that is servicing a loan secured by a qualified mortgage on behalf of itself or another person or entity

#### Citation:
  - *12 U.S.C. § 1701x*
  - Heading: **CHAPTER 13-NATIONAL HOUSING**

