Tennessee Code Title 47. Commercial Instruments and Transactions § 47-18-5802

(1) “Active consumer” means a consumer for which an agreement to resolve the consumer's debts has been accepted and who is actively making payments to resolve the debt;

(2) “Affiliated with” means a dedicated account service provider that controls, is controlled by, or is under common control with a licensee;

(3) “Agreement” means a contract between a licensee and a consumer that meets the requirements of § 47-18-5809;

(4) “Bank” means a financial institution, including a commercial bank, savings bank, savings and loan association, credit union, mortgage bank, or a trust company, engaged in the business of banking, that is chartered under federal or state law and regulated by a federal or state banking regulatory agency;

(5) “Business address” means the designation of the physical location of a business, including the name and number of a street;

(6) “Business day” means a calendar day, except for Saturdays, Sundays, and legal holidays;

(7) “Commissioner” means the commissioner of commerce and insurance, or the commissioner's designee;

(8) “Consumer” means an individual who has executed an agreement with a licensee;

(9) “Creditor” means a person that has extended credit to a consumer, including an agent or assignee of the person;

(10) “Debt resolution services” means a program or service represented, directly or by implication, to negotiate, settle, or in any way alter the terms of payment or other terms of the debt between a consumer and one (1) or more unsecured creditors, including a reduction in the balance, interest rate, or fees owed by a consumer to an unsecured creditor;

(11) “Dedicated account” means an account that meets the criteria set forth in § 47-18-5809(a)(1)-(5);

(12) “Dedicated account service provider” means an entity that facilitates transactions authorized by the consumer pursuant to the terms of 16 CFR 310.4(a)(5)(ii);

(13) “Enrolled consumer” means a consumer who is saving in a dedicated account, but whose creditors have not accepted a reduced amount to resolve the consumer's debt with the credits;

(14) “Licensee” means a provider of debt resolution services that possesses a valid license issued pursuant to this part;

(15) “Person” means an individual, group, unincorporated association, limited or general partnership, corporation, or other business entity;

(16) “Record” means information that is inscribed on a tangible medium or that is stored in an electronic or other medium and is retrievable in perceivable form;  and

(17) “State” means a state of the United States, including this state, the District of Columbia, Puerto Rico, the United States Virgin Islands, or any territory or possession subject to the jurisdiction of the United States.