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so lets put things in perspective this is from the fdic website and im going to break things down for you guys first word on here is a person they say individual corporation or any other business organization that means pretty much for example mcdonalds t-mobile burger king the business okay consumer thats you im going to skip over creditor right now and were going to go straight into purchase money loan this is a retail purchase agreement which would be considered a purchase money loan why do i say that a cash advance which is received by a consumer in return for a finance charge within the meaning of the truth and lending act in regulation z please pause and read this definition for yourself because if you look at the contract what is on here is a finance charge now lets talk about credit card issuer this is the reason why i skipped over creditor i wanted to explain both of them at the same time credit card issuer is a person who extends to card holders the right to use a cred