CCA lender

209has the same meaning as “creditor” under section 140C of the CCA which is, in summary:

1. (a) a “creditor” is a person who provides the debtor with credit of any amount;
2. (b) references to a “creditor” include:
   1. (i) a person to whom their rights and duties under the credit agreement have passed by assignment or operation of law;
   2. (ii) where two or more persons are the creditor to any one or more of those persons.