Federal Reserve Regulation Z requires the disclosure of:

Federal Reserve Regulation Z, which implements the Truth in Lending Act, mandates specific disclosures from lenders to ensure that consumers are informed about the terms and costs of credit. One of the critical requirements under this regulation is the disclosure of loan origination fees. These fees are charged by lenders for processing a new loan application and can significantly affect the overall cost of borrowing. By requiring lenders to clearly disclose these fees, Regulation Z aims to promote transparency and help borrowers make more informed financial decisions.

The other factors listed, such as loan repayment schedules, late payment penalties, and interest rate changes, may also be important for a borrower to understand, but the specific focusing of Regulation Z disclosures on origination fees highlights its emphasis on the upfront costs associated with obtaining a loan. This helps ensure that consumers are aware of the full cost of acquiring credit from the outset, allowing them to better compare the offers from different lenders.