Truth in Lending: 4.2.4.5.2 Contradictory information in the TILA disclosures
Disclosing two different numbers as the finance charge violates the clear and conspicuous standard,111 as does disclosing two different numbers as the total of payments.112 Putting both the note rate and the APR on the TILA disclosure may violate the clear and conspicuous standard.113 Stating that the interest rate on a loan may be either discounted or at a premium is not a clear and conspicuous disclosure of the fact that the initial interest rate