In the context of licensees, who does not qualify as a consumer?

In the context of licensees, a beneficiary of a trust without direct engagement does not qualify as a consumer because they are not actively seeking services or engaging directly with the licensee. Consumers typically are individuals or entities that directly request, receive, or utilize services provided by a licensed individual or organization.

In this case, while a beneficiary has a claim to resources or benefits held in trust, they do not interact with the licensee or utilize any services provided. In contrast, individuals benefiting from a non-profit organization, someone taking a loan from the licensee, and all clients who utilize services are actively involved in a transaction or service provision, thus qualifying as consumers. Therefore, option B aligns with the definition of a consumer by emphasizing the importance of active engagement in the context of receiving services from a licensee.