12 U.S.C. § 3802: Definitions

the term “alternative mortgage transaction” means a loan or credit sale secured by an interest in residential real property, a dwelling, all stock allocated to a dwelling unit in a residential cooperative housing corporation, or a residential manufactured home (as that term is defined in section 5402(6) of title 42 ), in which the interest rate or finance charge may be adjusted or renegotiated, described and defined by applicable regulation; and a depository institution, as defined in section 501(a)(2) of the Depository Institutions Deregulation and Monetary Control Act of 1980; a lender approved by the Secretary of Housing and Urban Development for participation in any mortgage insurance program under the National Housing Act [ 12 U.S.C. 1701 et seq.]; any person who regularly makes loans, credit sales, or advances secured by interests in properties referred to in paragraph (1); or any transferee of any of them.