; (C) the term covered agency means— (i) a State financial regulatory agency, including a State securities or law enforcement authority and a State insurance regulator; (ii) each of the entities represented in the membership of the Financial Institutions Examination Council established under section 1004 of the Federal Financial Institutions Examination Council Act of 1978 ( 12 U.S.C. 3303 ); (iii) a securities association registered under section 15A of the Securities Exchange Act of 1934 ( 15 U.S.C. 78o–3 ); (iv) the Securities and Exchange Commission; (v) a law enforcement agency; and (vi) a State or local agency responsible for administering adult protective service laws; (D) the term covered financial institution means— (i) a credit union; (ii) a depository institution; (iii) an investment adviser; (iv) a broker-dealer; (v) an insurance company; (vi) an insurance agency; and (vii) a transfer agent; (E) the term credit union has the meaning given the term in section 2 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5301 ); (F) the term depository institution has the meaning given the term in section 3(c) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813(c) ); (G) the term exploitation means the fraudulent or otherwise illegal, unauthorized, or improper act or process of an individual, including a caregiver or a fiduciary, that— (i) uses the resources of a senior citizen for monetary or personal benefit, profit, or gain; or (ii) results in depriving a senior citizen of rightful access to or use of benefits, resources, belongings, or assets; (H) the term insurance agency means any business entity that sells, solicits, or negotiates insurance coverage; (I) the term insurance company has the meaning given the term in section 2(a) of the Investment Company Act of 1940 ( 15 U.S.C. 80a–2(a) ); (J) the term insurance producer means an individual who is required under State law to be licensed in order to sell, solicit, or negotiate insurance coverage