(a)Person. An individual, corporation, or any other business organization. (b)Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. (c)Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer. (d)Purchase money loan.