# 1091.101 Definitions.
For the purposes of this part, the following definitions apply:
*Bureau* means the Consumer Financial Protection Bureau.
*Consumer* means an individual or an agent, trustee, or representative acting on behalf of an individual.
*Consumer financial product or service* means any financial product or service, as defined in 12 U.S.C. 5481(15), that is described in one or more categories under:
(1) 12 U.S.C. 5481(15) and is offered or provided for use by consumers primarily for personal, family, or household purposes; or
(2) Clause (i), (iii), (ix), or (x) of 12 U.S.C. 5481(15)(A) and is delivered, offered, or provided in connection with a consumer financial product or service referred to in paragraph (1) of this definition.
*Decisional employee* means any employee of the Bureau who has not engaged in:
(1) Assisting the initiating official in either determining whether to issue a Notice of Reasonable Cause, or presenting the initiating official's position in support of a Notice of Reasonable Cause, either in writing or in a supplemental oral response, to the recommending official; or
(2) Assisting the recommending official in the preparation of a recommended determination.
*Director* means the Director of the Bureau or his or her designee. If there is no Director, the term shall mean a person authorized to perform the functions of the Director under this part, or his or her designee.
*Executive Secretary* means the Executive Secretary of the Bureau.
*Initiating official* means the Supervision Director or another Bureau employee designated by the Director to initiate proceedings under this part.
*Nonbank covered person* means, except for persons described in 12 U.S.C. 5515(a) and 5516(a):
(1) Any person that engages in offering or providing a consumer financial product or service; and
(2) Any affiliate of a person described in paragraph (1) of this definition if such affiliate acts as a service provider to such person.
*Notice of Reasonable Cause and Notice* mean a Notice issued under § 1091.102.
*Person* means an individual, partnership, company, corporation, association (incorporated or unincorporated), trust, estate, cooperative organization, or other entity.
*Recommending official* means an employee designated by the Director to make a recommended determination under this part.
*Respondent* means a person who has been issued a Notice of Reasonable Cause under § 1091.102.
*Response* means the response to a Notice of Reasonable Cause filed by a respondent with the recommending official under § 1091.105.