Reg Z just states what must be disclosed to the borrower. The bigger question is weather the practice is discriminatory under Reg B, which it isn't. Being non-energy conscious is not a protected class.
That being said, as with any special loan program you should evaluate it for any potential indicators of disparate impact. (For example if these products cost more than their traditional oil dependent counterparts, will minority borrowers be less likely to qualify resulting in white borrowers paying lower rates.)
Sola Gratia, Sola Fides, Sola Scriptura, Solus Christus, Soli Deo Gloria!www.tcaregs.com