It is not a part of any Reg. that I know of. I believe it is derived from best practices and (probably) lawsuits addressing truth in advertising.
You want customers to know that some conditions apply, because they do.
A car dealer can advertise that everyone qualifies for the tote-the-note loan because the worst qualified get the dogs on the lot after making a downpayment. The bank can't unload unwanted money the way retailers can old merchandise. So we have to be more cautious and disclose, disclose, disclose.
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Andy Zavoina
Opinions stated are not necessarily that of my employer.