Truth in Lending: 4.2.6.1 General
The statute requires that the disclosures listed in section 1638(a) must be “grouped together” and “segregated from everything else, and shall not contain any information not directly related” to this closed list.172 This requirement was aimed at ensuring that the consumer receives the important, required information and is not distracted by excess verbiage or information.173 Exceptions to the segregation rule obviously apply to disclosures that must be given post-consummation.