### Question
What is the definition of creditor?


### Answer
The definition of **creditor** is as follows in *12 U.S.C. § 1701x*:

> 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 12-SAVINGS ASSOCIATIONS**

