Which of the following is not included in the Red Flags Rule's definition of "creditor"?
O Advances funds to—or on behalf of—someone, except for funds for expenses incidental to a service provided by the creditor to that person.
O Allows individuals to pay for their medical services via credit card.
O Obtains or uses consumer reports in connection with a credit transaction.
O Furnishes information to consumer reporting agencies in connection with a credit transaction.