1. Closed-end

2. APR
General Rules
Tolerances

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

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

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

6. Subsequent Disclosure Requirements
Refinancings
Variable Rate Adjustments

7. Miscellaneous Requirements
Treatment of Credit Balances
Record Retention
Oral Disclosures

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