; and (B) is calculated using the ISA payment calculation method, based on the ISA recipient’s income for the specified period. (23) ISA payment calculation method The term ISA payment calculation method means the ISA percentage, or the schedule of fixed dollar amounts based on the ISA recipient’s income for a payment period, that is used to calculate an ISA recipient’s ISA payment under the income share agreement. (24) ISA payment window The ISA payment window means the period during which the ISA recipient is required to make ISA payments in periods where the ISA recipient's income is greater than the income threshold for the income share agreement. (25) ISA percentage The term ISA percentage means a percentage of income (or schedule of percentages of income based on the ISA recipient's income in a given ISA payment period) used to calculate an ISA recipient’s ISA payment pursuant to an income share agreement. (26) ISA provider The term ISA provider means a person that provides financing to an ISA recipient pursuant to an income share agreement or, in the case of a person who is a merchant financing the sale of goods or services to the ISA recipient, the merchant. (27) ISA recipient The term ISA recipient means a consumer that receives financing from an ISA provider pursuant to an income share agreement. (28) Loan The term loan means a financial product that— (A) is credit, as defined in section 1026.2(a) of title 12, Code of Federal Regulations; (B) is not an income share agreement; and (C) involves the advance of a sum of money to a borrower under an obligation to repay the principal with a corresponding right to defer payment of the principal balance with or without interest. (29) Loan comparison The term loan comparison means the comparison table required under section 302(d)(9). (30) Payment relief pause The term payment relief pause means a period of time that— (A) is requested by the ISA recipient during which any payment obligation the ISA recipient would have is suspended