Congress has enacted a number of regulations that have established criteria for evaluating home loan applicants and mandating disclosures in the origination of home loans. Which of the following congressional acts requires important disclosures concerning the cost of consumer credit, including the computation of the annual percentage rate $($APR$)?$

Multiple Choice

Equal Credit Opportunity Act $($ECOA$)$

Truth$-$in$-$Lending Act $($TILA$)$

Real Estate Settlement Procedures Act $($RESPA$)$

Home Ownership and Equity Protection Act $($HOEPA$)$