covered financial institution
(1) Definitions In this section— (A) the term “Bank Secrecy Act officer” means an individual responsible for ensuring compliance with the requirements mandated by subchapter II of chapter 53 of title 31 (commonly known as the “Bank Secrecy Act”); (B) the term “broker-dealer” means a broker and a dealer, as those terms are defined in section 78c(a) of title 15 ; (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 Federal agencies represented in the membership of the Financial Institutions Examination Council established under section 3303 of this title ; (iii) a securities association registered under section 78o–3 of title 15; (iv) the Securities and Exchange Commission; (v) a law enforcement agency; or (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; or (vii) a transfer agent; (E) the term “credit union” has the meaning given the term in section 5301 of this title ; (F) the term “depository institution” has the meaning given the term in section 1813(c) of this title ; (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 80a–2(a) of title 15 ; (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; (K) the term “investment adviser” has the meaning given the term in section 80b–2(a) of this title ; (L) the term “investment adviser representative” means an individual who— (i) is employed by, or associated with, an investment adviser; and (ii) does not perform solely clerical or ministerial acts; (M) the term “registered representative” means an individual who represents a broker-dealer in effecting or attempting to effect a purchase or sale of securities; (N) the term “senior citizen” means an individual who is not younger than 65 years of age; (O) the term “State” means each of the several States, the District of Columbia, and any territory or possession of the United States; (P) the term “State insurance regulator” has the meaning given the term in section 6735 of title 15 ; (Q) the term “State securities or law enforcement authority” has the meaning given the term in section 78x(f)(4) of title 15 ; and (R) the term “transfer agent” has the meaning given the term in section 78c(a) of title 15 .