Need answers with explanation please thank you...

Which of the following statements is true of the truth in lending simplification act?

a) It restricts statute penalties to failures to disclose credit terms that are of the material importance in credit comparisons

b) It requries stat. penalties to be based purely on technical violations

c) it elminates the need for model disclosure forms issued by the government

d) it restricts state laws from allowing private lawsuits against deceptive advertisements

e) it prohibits companies from the practice of redlining.