Which of the following must be disclosed under Regulation Z of TILA?

Regulation Z of the Truth in Lending Act (TILA) is designed to protect consumers in their dealings with lenders and to ensure that they are fully informed about the costs and terms of credit. It requires lenders to disclose critical information about the credit, allowing consumers to make more informed financial decisions.

The correct choice encompasses all the key components that must be disclosed under Regulation Z. The starting date of the obligation is crucial as it establishes when the consumer is accountable for the loan payments. The cash price of the transaction provides context for the consumer regarding how much they are ultimately borrowing against the item or service being financed. Finally, the number of payments is a vital detail, as it outlines the repayment schedule and helps consumers understand their long-term financial commitments.

By requiring these disclosures, TILA ensures transparency and allows consumers to compare different credit offers, understand the total cost of borrowing, and make educated decisions about their financial obligations. Thus, the requirement to disclose all these elements reflects the comprehensive nature of consumer protection under Regulation Z.