Guam § 46 - Definitions.

§ 46. Definitions.

As used in this Act:

(a) Mortgage lending process means the process through which a person seeks or obtains a

mortgage loan, including solicitation, application, or origination, negotiation of terms, third-party

provider services, underwriting, signing and closing, and funding of the loan.

(b) Mortgage loan:

(1) means a loan or agreement made to extend credit to a person when the loan is secured by

a deed, security deed, mortgage, security interest, deed of trust, or other document representing a

security interest or lien upon any interest in one (1)-to-four (4) family residential property;

(2) includes the renewal or refinancing of any loan; and

(3) includes home equity loans.

(c) Unlawful activity means to directly engage in conduct or to solicit, request, command,

encourage, or intentionally aid another person to engage in conduct which would constitute any offense

described by the following crimes or categories of crimes, or to attempt or conspire to engage in an act

which would constitute any of those offenses, regardless of whether the act is in fact charged or

indicted by any authority or is classified as a misdemeanor or a felony

(d) Pattern of unlawful activity means engaging in conduct which constitute the commission of

at least three (3) episodes of unlawful activity, which episodes are not isolated, but have the same or

similar purposes, results, participants, victims, or methods of commission, or otherwise are interrelated

by distinguishing characteristics. Taken together, the episodes shall demonstrate continuing unlawful

conduct and be related either to each other or to the enterprise. The most recent act constituting part of

a pattern of unlawful activity as defined by this part shall have occurred within five (5) years of the

commission of the next preceding act alleged as part of the pattern.

(e) Sensitive personal identifying information means any of the following information regarding

an individual’s:

(1) Social Security number;

(2) driver license number or other government issued identification number;

(3) financial account number or credit or debit card number;

(4) password or personal identification number or other identification required to gain access

to a financial account or a secure website;

(5) automated or electronic signature;

(6) unique biometric data; and

(7) any other information that can be used to gain access to an individual's financial accounts

or to obtain goods or services.

(f) Value means the value of the property, money, or thing obtained or sought to be obtained.

CH. 46 FORGERY, FRAUDULENT PRACTICES AND TELEPHONE RECORDS

(g) Person includes any individual or entity capable of holding a legal or beneficial interest in

property, including governmental entities.

(h) Obtain means to come into possession of, get, acquire or procure.