; or (B) a provider of an interactive computer service or telecommunications service, to the extent such person is acting as such a provider, except with respect to an activity described in paragraph (10)(C)(ii). (4) Commission The term Commission means the Federal Trade Commission. (5) Credit; creditor; and card issuer The terms credit , creditor , and card issuer have the meanings given the terms in section 103 of the Truth in Lending Act ( 15 U.S.C. 1602 ). (6) Electronic fund transfer The term electronic fund transfer — (A) has the meaning given the term in section 903 of the Electronic Fund Transfer Act ( 15 U.S.C. 1693a ), except that the term includes transfers that would otherwise be excluded under section 903(7)(E) of that Act