Seriously. Where do these people come up with this stuff?
The Official Interpretation to 1026.36(a) specifically states:
A person does not assist the consumer in completing the application if the person explains to the consumer filling out the application the contents of the application or where particular consumer information is to be provided, or generally describes the credit application process to a consumer without discussing particular credit terms that are or may be available from a creditor or loan originator to that consumer selected based on the consumer's financial characteristics. [emphasis mine]
_________________________
Management is doing things right; leadership is doing the right things. Peter Drucker