True or False - Reg Z

1. True or False- In accordance with Reg Z, the disclosure of a finance charge would be considered accurate if the amount disclosed is greater than the actual final amount or if the amount of the finance charge disclosed is understated by $100.00 or less. 2. True or False- Prepaid escrows required by the lender for future payment of real estate taxes and hazard insurance premiums are considered finance charges for disclosure.