### Question
How does NATIONAL HOUSING define creditor?


### Answer
Under *12 U.S.C. § 1701x*, **creditor** is defined as:

> 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**

