California Code, Civil Code - CIV § 1788.301

(a) “Debt settlement provider” means a person who, for compensation and on behalf of a consumer, provides debt settlement services.

(b) “Debt settlement services” means any of the following:

(c) “Settlement account” means a depository account established and used for the purpose of holding funds of a consumer to be distributed to a creditor in the event of a settlement of a consumer's debt with the creditor.

(d) “Consumer” means a person who is allegedly legally responsible for a debt.

(e) “Person” means a natural person or entity, whether a corporation, partnership, association, trust, limited liability company, cooperative, or other organization.

(f) “Creditor” means the person who originated the debt or is assigned, or has purchased for collection, a debt for which a consumer is allegedly legally responsible.

(g) “Debt” means money, whether in principal, interest, fees, or other charges, which is due or owing or alleged to be due or owing from a natural person to another person and incurred primarily for personal, family, or household purposes.

(h) “Payment processor” means a person who provides payment processing services.

(i) “Payment processing services” means accepting, maintaining, holding, or distributing funds, or facilitating the acceptance, maintenance, holding, or distribution of funds, on behalf of a consumer for the purpose of facilitating debt settlement services.