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APR General Rules Tolerances

Truth in lending disclosure General Requirements APR and Finance Charge Rules Basis of Disclosure and Use of Estimates Multiple Creditors Multiple Consumers

Content Creditor Amount Financed Itemization of Amount Financed Finance Charge APR Variable Rate Information Payment Schedule Total of Payments Demand Feature Total Sale Price

Content continued Prepayment Information Late Payment Fee Security Interest Insurance and Debt Cancellation Security Interest Charges Contract Reference Required Deposit

Subsequent Disclosure Requirements Refinancings Variable Rate Adjustments

Miscellaneous Requirements Treatment of Credit Balances Record Retention Oral Disclosures

Private Education Loans Background Coverage Definition of “Private Education Loan” Rules Disclosure Requirements