15 U.S.C. § 1692a : US Code - Section 1692A: Definitions

      As used in this subchapter - 
        (1) The term "Bureau" means the Bureau of Consumer Financial
      Protection.
        (2) The term "communication" means the conveying of information
      regarding a debt directly or indirectly to any person through any
      medium.
        (3) The term "consumer" means any natural person obligated or
      allegedly obligated to pay any debt.
        (4) The term "creditor" means any person who offers or extends
      credit creating a debt or to whom a debt is owed, but such term
      does not include any person to the extent that he receives an
      assignment or transfer of a debt in default solely for the
      purpose of facilitating collection of such debt for another.
        (5) The term "debt" means any obligation or alleged obligation
      of a consumer to pay money arising out of a transaction in which
      the money, property, insurance, or services which are the subject
      of the transaction are primarily for personal, family, or
      household purposes, whether or not such obligation has been
      reduced to judgment.
        (6) The term "debt collector" means any person who uses any
      instrumentality of interstate commerce or the mails in any
      business the principal purpose of which is the collection of any
      debts, or who regularly collects or attempts to collect, directly
      or indirectly, debts owed or due or asserted to be owed or due
      another. Notwithstanding the exclusion provided by clause (F) of
      the last sentence of this paragraph, the term includes any
      creditor who, in the process of collecting his own debts, uses
      any name other than his own which would indicate that a third
      person is collecting or attempting to collect such debts. For the
      purpose of section 1692f(6) of this title, such term also
      includes any person who uses any instrumentality of interstate
      commerce or the mails in any business the principal purpose of
      which is the enforcement of security interests. The term does not
      include - 
          (A) any officer or employee of a creditor while, in the name
        of the creditor, collecting debts for such creditor;
          (B) any person while acting as a debt collector for another
        person, both of whom are related by common ownership or
        affiliated by corporate control, if the person acting as a debt
        collector does so only for persons to whom it is so related or
        affiliated and if the principal business of such person is not
        the collection of debts;
          (C) any officer or employee of the United States or any State
        to the extent that collecting or attempting to collect any debt
        is in the performance of his official duties;
          (D) any person while serving or attempting to serve legal
        process on any other person in connection with the judicial
        enforcement of any debt;
          (E) any nonprofit organization which, at the request of
        consumers, performs bona fide consumer credit counseling and
        assists consumers in the liquidation of their debts by
        receiving payments from such consumers and distributing such
        amounts to creditors; and
          (F) any person collecting or attempting to collect any debt
        owed or due or asserted to be owed or due another to the extent
        such activity (i) is incidental to a bona fide fiduciary
        obligation or a bona fide escrow arrangement; (ii) concerns a
        debt which was originated by such person; (iii) concerns a debt
        which was not in default at the time it was obtained by such
        person; or (iv) concerns a debt obtained by such person as a
        secured party in a commercial credit transaction involving the
        creditor.

        (7) The term "location information" means a consumer's place of
      abode and his telephone number at such place, or his place of
      employment.
        (8) The term "State" means any State, territory, or possession
      of the United States, the District of Columbia, the Commonwealth
      of Puerto Rico, or any political subdivision of any of the
      foregoing.