; and (F) a State attorney general. (4) the term covered financial institution means— (A) a credit union; (B) a depository institution; (C) an investment advisor; (D) a broker-dealer; (E) an insurance company; (F) a State attorney general; and (G) a transfer agent. (5) the term credit union means a Federal credit union, State credit union, or State-chartered credit union, as those terms are defined in section 101 of the Federal Credit Union Act ( 12 U.S.C. 1752 ); (6) 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) ); (7) the term exploitation means the fraudulent or otherwise illegal, unauthorized, or improper act or process of an individual, including a caregiver or fiduciary, that— (A) uses the resources of a senior citizen for monetary personal benefit, profit, or gain; or (B) results in depriving a senior citizen of rightful access to or use of benefits, resources, belongings or assets; (8) the term Federal financial institutions regulatory agencies has the meaning given the term in section 1003 of the Federal Financial Institutions Examination Council Act of 1978 ( 12 U.S.C. 3302 ); (9) the term investment adviser has the meaning given the term in section 202 of the Investment Advisers Act of 1940 ( 15 U.S.C. 80b–2 ); (10) 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) ); (11) the term registered representative means an individual who represents a broker-dealer in effecting or attempting to affect a purchase or sale of securities; (12) the term senior citizen means an individual who is not less than 65 years of age; (13) the term State insurance regulator has the meaning given such term in section 315 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6735 ); (14) the term State securities or law enforcement authority has the meaning given the term in section 24(f)(4) of the Securities Exchange Act of 1934 ( 15 U.S.C. 78x(f)(4) )