That's too broad of a question if you want a technical answer you must ask a specific question.
If your question is, is the entity that extended credit, a creditor. The answer is yes.
My confusion is, you asked about "original creditor", under FDCPA, creditors are protected, it's debt collectors that are not protected. So you are misunderstanding something.
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The FDCPA only applies to debt collectors as defined by the Act.
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The FDCPA does not apply to original creditors. The section you are referring to is merely a definitional section, that doe not mean the the act covers the actions of original creditors.
Disclaimer: The foregoing answer does not create an attorney-client relationship with Attorney Cannella or her firm. This answer does not constitute legal advice, is provided for informational and educational purposes only for persons interested in the subject matter, is not legal opinion, nor confidential in nature. Each situation is fact specific and may be subject to state specific laws. Without a comprehensive consultation and review of all the facts and documents at issue it is impossible to evaluate a legal problem fully.