Which of the following is not included in the Red Flags Rules definition of creditor?...

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

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