A requirement of the federal Truth in Lending Act $($TIL$)$ requires that all installment loan lenders disclose to credit applicants

the interest rate expressed as an annual percentage rate $($APR$).$

the finance charge expressed in dollars.

the interest rate $($as an APR$)$ and the finance charge $($in dollars$).$

neither the interest rate $($as an APR$)$ nor the finance charge $($in dollars$).$