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FAQs
Examples of Triggering TermsThe amount of a down payment expressed as a percentage or a dollar amount (example: "5% down" or "80% financing") The amount of any payment expressed as a percentage or a dollar amount (example: "$15 per month" or "monthly payments of under $100")
What financing terms can advertised without triggering all the financing disclosures required by Regulation Z? ›
Price and APR ; Under the Truth in Lending Act's Regulation Z, price and APR are the only financing terms that can be advertised without triggering the full disclosure required by law.
What is the best description of a trigger term? ›
Trigger terms are words or phrases, whether positively or negatively mentioned (e.g., “no annual fee”), that prompt additional regulatory disclosures in the headline, subhead, and/or disclosure of the advertisem*nt to clarify the credit costs and terms that are being promoted.
What is do you have to disclose if a triggering term exists? ›
If any triggering term is used in a closed-end credit advertisem*nt, then the following three disclosures must also be included in that advertisem*nt: 1. The amount or percentage of the down payment; 2. The terms of repayment; and.
What is a trigger in financial terms? ›
A cash trigger is a condition that triggers an investor to make a trade or take a specific action , such as buying or selling a financial product such as a stock, option, futures contract, bond, or currency.
What are trigger terms under TILA and regulation Z? ›
Triggering terms need not be stated explicitly; additional disclosures are still required if the term may be readily determined from the advertisem*nt . For example, if the advertisem*nt says “80 percent financing available,” the statement is indicating a 20 percent down payment is required (a triggering term).
Which of the following is not a triggering term? ›
Final answer: The trigger terms under Regulation Z, part of the Truth in Lending Act, include references to the down payment, number of installments, period of repayment, and the finance charge. Among the options, 'Purchase Price ' is NOT a trigger term.
What triggering terms activate disclosure requirements under the Truth in Lending Act include? ›
Explanation: According to the Truth-In-Lending Act, when an advertisem*nt includes certain trigger terms, full disclosure of specific credit terms must be provided. These terms can include aspects such as down payment, number of payments, the period of repayment, and the amount of any payment.
Is no annual fee a triggering term? ›
Triggering terms.if a creditor states no interest or no annual membership fee in an advertisem*nt, additional information must be provided . Other examples of terms that trigger additional disclosures are: i.
What is a trigger example? ›
Trigger examplescertain books, movies, or music . certain smells, such as a food or perfume.
Trigger words can be positive or negative, designed to tap into readers' or listeners' emotions and encourage them to act. For example, some trigger words commonly used in marketing include “limited-time offer ,” “exclusive,” “free,” etc.
What are the 6 things they must disclose under the truth in the lending Act? ›
TILA disclosures include the number of payments, the monthly payment, late fees, whether a borrower can prepay the loan without penalty and other important terms. TILA disclosures is often provided as part of the loan contract, so the borrower may be given the entire contract for review when the TILA is requested.
Is down payment a trigger term? ›
Triggering Terms and Additional Disclosures
What are trigger terms for open-end loans? ›
Triggering terms for open-end loans
What does triggered mean in finance? ›
Triggers in the context of investing are market or investment-related occurrences that may cause the system or the investor to take a certain action .
What are financial triggers? ›
Financial Trigger means an event arising upon the occurrence of either a Net Worth Trigger or a Liquidity Trigger . Sample 1Sample 2. Financial Trigger means an event arising upon the occurrence of any of a Net Worth Trigger, a Liquidity Trigger or a Leverage Debt-to-Income Trigger.
What are triggers in banking? ›
Triggers tracks a consumer's credit behaviour across multiple products and send an alert whenever there's a change in a customer profile . You receive valuable knowledge about your customers swiftly, enabling you to identify your low-risk, high-value customers and take action.
What is a triggering term for credit cards? ›
1. Triggering terms. Negative as well as affirmative references trigger the requirement for additional information. For example, if a creditor states no interest or no annual membership fee in an advertisem*nt, additional information must be provided.
