Which statement below is correct about the Truth in Lending Act?

	a.	The Act lists the kinds of credit transactions for which a consumer can obtain a commercial loan.
	b.	The Act requires a lender to disclose the finance charge and the annual percentage rate of a loan.
	c.	The Act discloses the names of banks that have had problems in the past with their consumer loans.
	d.	The act establishes a maximum interest rate for all states in the U.S.