As required under RESPA, a 1-4 family home or farm owned by an LLC or corporation requires full disclosure of all borrowing costs and the use of related parties to provide services needed to process and close the mortgage loan. However, a mixed-use property such as a store and an apartment on top of it does not require TILA, even if the occupant of both of them is buying the building in personal name, is not represented by counsel, barely speaks English, and will operate a convenience store that will be in the commercial spot. Do you think that the law needs to be changed?