(a) "cost of the loan" means the whole cost to the debtor of money lent and includes interest, discount, subscription, premium, dues, bonus, commission, brokerage fees and charges, but not actual lawful and necessary disbursements made to the Registrar of Deeds, the Registrar of the Supreme Court, the sheriff or a city or a town clerk of a municipality;
(b) "court" means a court having jurisdiction in an action for the recovery of a debt or money demand to the amount claimed by a creditor in respect of money lent;
(c) "creditor" includes the person advancing money lent and the assignee of a claim arising or security given in respect of money lent;
(d) "debtor" means a person to whom or on whose account money lent is advanced, and includes a surety and endorser or other person liable for the repayment of money lent or upon an agreement or collateral or other security given in respect of it; and
(e) "money lent" includes money advanced on account of a person in a transaction which, whatever its form may be, is substantially one of money-lending or securing the repayment of money so advanced and includes a mortgage.