7. The Truth-in-Lending Act covers only certain classes of consumer credit transactions For example, the: a. debtor must be a business organization creditor may not be a business organization reditor must be in the business of regularly granting credit d. debtor must be a business organization and the creditor must be in the business of regularly ting credit itor may not be a businesyorganization and the creditor must be in the business of larly granting credit