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lending practices. To this end, this article establishes a registration program for credit <br />access businesses, imposes restrictions on extensions of consumer credit made by credit <br />access businesses, and imposes recordkeeping requirements on credit access businesses. <br />5.12.002 Definitions. <br />As used in this chapter: <br />(1) CERTIFICATE OF REGISTRATION means a certificate of registration issued by <br />the director under this article to the owner or operator of a credit access business. <br />(2) CONSUMER means an individual who is solicited to purchase or who purchases <br />the services of a credit access business. <br />(3) CONSUMER'S LANGUAGE OF PREFERENCE is the language the consumer <br />understands best. <br />(4) CREDIT ACCESS BUSINESS has the meaning given that term in Section 393.601 <br />of the Texas Finance Code. <br />(5) DEFERRED PRESENTMENT TRANSACTION has the meaning given that term <br />in Section 393.601 of the Texas Finance Code. <br />(6) DIRECTOR means the City Manager, or City Manager's Designee, to enforce and <br />administer this chapter. <br />(7) EXTENSION OF CONSUMER CREDIT has the meaning given that term in <br />Section 393.001 of the Texas Finance Code. <br />(8) MOTOR VEHICLE TITLE LOAN has the meaning given that term in Section <br />393.601 of the Texas Finance Code. <br />(9) PERSON means any individual, corporation, organization, partnership, association, <br />financial institution, or any other legal entity. <br />(10) REGISTRANT means a person issued a certificate of registration for a credit <br />access business under this chapter and includes all owners and operators of the <br />credit access business identified in the registration application filed under this <br />chapter. <br />(11) STATE LICENSE means a license to operate a credit access business issued by <br />the Texas Consumer Credit Commissioner under Chapter 393, Subchapter G of the <br />Texas Finance Code. <br />