TILA (Truth in Lending Act)
Also known as: Truth in Lending Act, Regulation Z
The federal law that requires lenders to disclose loan terms, APR, fees, and the schedule of payments before a borrower signs.
Full definition
The federal Truth in Lending Act (TILA), implemented by Regulation Z, requires U.S. lenders to disclose specific loan terms before a borrower signs. Required disclosures include APR, finance charge, amount financed, total of payments, and a payment schedule. TILA disclosures are designed to let consumers compare offers apples-to-apples and identify hidden fees. Enforced by the federal Consumer Financial Protection Bureau (CFPB).
- Written by
- Get Advance Loan Editorial Team
- Reviewed by
- Compliance Review
- Published
- January 15, 2026
- Last reviewed
- May 22, 2026
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- MLA (Military Lending Act)Federal law capping consumer-credit APRs to active-duty service members and their dependents at 36% (the Military APR, or MAPR).
- CFPB (Consumer Financial Protection Bureau)The federal agency that supervises and enforces consumer financial-protection laws across most U.S. lenders.
- TCPA (Telephone Consumer Protection Act)The federal law governing telemarketing calls and texts, including the prior-express-written-consent requirement for autodialed marketing.
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