Reg. Z's advertising requirements, if not followed, could lead to UDAAP issues. Two of the following actions would lead to a UDAAP issue. One would NOT. Which one is it? A. Omitting mention of a balloon payment and the amount and timing of that payment if the consumer makes only minimum payments B. Calling home equity "free money" C. Disclosing that the annual percentage rate at the closing of a home loan may be increased afterwards