A more thorough explanation:

Creditor dominii is a legal term that refers to a secured creditor who has the right to ownership of an object. This means that if the borrower defaults on their loan, the creditor can take possession of the object that was used as collateral.

For example, if someone takes out a loan to buy a car, the lender becomes the creditor dominii. If the borrower fails to make their payments, the lender can repossess the car and sell it to recover their losses.

Another example would be a mortgage lender. If a borrower defaults on their mortgage payments, the lender can foreclose on the property and take ownership of it.

The examples illustrate how a creditor dominii has the right to take possession of an object that was used as collateral for a loan. This is a way for lenders to protect themselves from the risk of borrowers defaulting on their loans. By having the right to take ownership of the collateral, the lender can recover their losses and minimize their financial risk.