Josefina and Else are purchasing their first home and reviewing the terms of a $30-$year mortgage with their lender, Marius, at First Equity Bank. Marius shares with them the amount of the loan, the interest rate, and the total amount of principal and interest that will be paid over the course of the loan. Marius is required to provide this information to potential borrowers, as it is federally mandated by the Truth in Lending Act of $1968.$ By providing this information to Josefina and Else, Marius is acting in which manner?