If closed-end credit, 226.24 provides guidance
(c) Advertisement of terms that require additional disclosures. (1) If any of the following terms is set forth in an advertisement, the advertisement shall meet the requirements of paragraph (c)(2) of this section:
(i) The amount or percentage of any downpayment.
(ii) The number of payments or period of repayment.
(iii) The amount of any payment.
(iv) The amount of any finance charge.
(2) An advertisement stating any of the terms in paragraph (c)(1) of this section shall state the following terms,{49}
{49 An example of one or more typical extensions of credit with a statement of all the terms applicable to each may be used.}
as applicable:
(i) The amount or percentage of the downpayment.
(ii) The terms of repayment.
(iii) The "annual percentage rate," using that term, and, if the rate may be increased after consummation, that fact.
Finance charge (1% origination fee) is mentioned so you would need to give a hypothetical example.
Oh, the rate - "The advertisement shall not state any other rate, except that a simple annual rate or periodic rate that is applied to an unpaid balance may be stated in conjunction with, but not more conspicuously than, the annual percentage rate." You need the APR and the loan rate cannot be more conspicuous.
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