Which of the following is not included in the Red Flags Rule$$s definition of $$creditor$?$

Group of answer choices

Advances funds to or on behalf of someone, except for funds for expenses incidental to service provided by the creditor to that person

Allows individuals to pay for their medical services via credit card

Obtains or uses consumer reports in connection with a credit transaction

Furnishes information to consumer reporting agencies in connection with a credit transaction