In this subchapter:
(1) “Amount financed” means that term as defined in the federal consumer credit protection act, as defined in s. 421.301 (19).
(2) “Creditor” means a person who regularly engages in, arranges for or procures from 3rd persons, loans within the scope of this subchapter.
(3) “Customer” means a person other than an organization who seeks or acquires credit financing secured by a first lien real estate mortgage, or equivalent security interest, for personal, family, household or agricultural purposes.
(4) “Loan” means the creation of debt by the creditor’s payment of or agreement to pay money to the customer or to a 3rd party for the account of the customer, or a forbearance by a lender of a debt arising from a loan.
(5) “Organization” means organization as defined in s. 421.301 (28).
(6) “Person” means person as defined in s. 421.301 (31).