Which of the following is compliant with Regulation Z?

Regulation Z, which implements the Truth in Lending Act, aims to ensure that consumers receive clear and accurate information about the terms and costs of credit. It applies to a broad range of credit transactions, particularly those related to personal, family, or household purposes.

All residential real estate transactions involving credit are covered under Regulation Z because they affect the homeowner’s ability to manage their financial responsibilities and require comprehensive disclosure to ensure informed borrowing. This includes various aspects like interest rates, payment schedules, and total costs, which are crucial for consumers who are making significant financial decisions such as purchasing a home.

In contrast, loans under $50,000 for educational purposes typically fall outside the scope of residential real estate transactions, as education financing is not primarily focused on real estate. Secured loans only would not be compliant with Regulation Z as the regulation applies to various types of credit, not just those that are secured. Similarly, commercial loans above $100,000 generally do not fall under Regulation Z, as the regulation is primarily designed to protect consumers rather than commercial borrowers. Thus, the broad application of Regulation Z to all residential real estate transactions involving credit makes this the correct choice.