(1) Creditor means a person who, in the ordinary course
of business, regularly participates in the decision of
whether or not to extend credit. The term includes a
creditor's assignee, transferee, or subrogee who so
participates. For purposes of sections 202.4 and 202.5(a),
the term also includes a person who, in the ordinary course
of business, regularly refers applicants or prospective
applicants to creditors, or selects or offers to select
creditors to whom requests for credit may be made . . . .