(a) For purposes of this division, the following terms have
the following meanings:
   (1) "Charge cardholder" and "charge card issuer" have the meaning
defined in Section 1748.21 of the Civil Code and "charge card" means
those cards defined in subdivision (a) of Section 1748.21 of the
Civil Code and upon which the full balance is due and payable in each
billing cycle.
   (2) "Consumer" means a natural person.
   (3) "Consumer credit agreement" means any written instrument
providing for an extension of unsecured open-end credit for personal,
family, or household purposes, that governs the relationship between
a supervised financial organization and one or more consumers.
   (4) "Charge card agreement" means the written instrument that
creates and governs the relationship between a charge card issuer and
one or more consumers.
   (5) "Minimum payment" means that amount of money recited on a
billing statement for an open-end credit account that must be
received by the supervised financial institution by a specified due
date.
   (6) "Open-end credit" has the meaning set forth in Section 226.2
(a)(20) of Regulation Z.
   (7) "Regulation Z" means any rule, regulation, or interpretation
promulgated by the Board of Governors of the Federal Reserve System
under the federal Truth in Lending Act, as amended (15 U.S.C. Sec.
1601 et seq.), and any interpretation or approval issued by an
official or employee of the Federal Reserve System duly authorized by
the board under the Truth in Lending Act, as amended, to issue
interpretations or approvals.
   (8) "Security interest" has the meaning set forth in Section 226.2
(a)(25) of Regulation Z.
   (9) "Supervised financial organization" means a state or federally
regulated bank, savings association, savings bank, or credit union,
or a subsidiary of any of the above.
   (10) "Unsecured" means that the supervised financial organization
is not granted a security interest in personal or real property under
the consumer credit agreement.
   (b) Notwithstanding any other provisions of law, the definitions
contained in this section shall control transactions governed by this
division.