Federal law passed by Congress in 1969 that requires mortgage lenders to disclose certain terms regarding the extension of credit.  The act obligates a lender to give full written disclosure of all fees, terms, and conditions associated with the loan initial period and then adjusts to another rate that lasts for the term of the loan.  The act further requires mortgage lenders to disclose in writing the total finance charge on the home loan, the conditions under which the charges are imposed, the method of calculating the finance charges and must reflect the finance charge as an annual percentage rate.

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