In this chapter:
I. "Affiliate" means a partnership, corporation, trust, limited liability company, or other organization that directly or indirectly owns a lender, is under common ownership with a lender, or is directly or indirectly owned by a lender.
II. "Annual percentage rate" shall be calculated according to the Truth in Lending Act, Regulation Z, 12 C.F.R. section 1026.14 and 12 C.F.R. section 1026.22.
III. "Branch office" means a business location within this state of a person required to be licensed under this chapter. Branch office shall not include a person's principal office location.
IV. "Check" means a draft drawn on the account of an individual or individuals at a depository institution.
V. "Commissioner" means the bank commissioner.