{"product_id":"regulation-z-apr-and-finance-charges","title":"Regulation Z: APR and Finance Charges","description":"\u003cp\u003e\u003cmeta charset=\"utf-8\"\u003eThis online course provides an in-depth examination of what constitutes a finance charge, how the APR is calculated, and which items are included or excluded. Bank employees will also learn regulatory tolerances for errors in disclosure and when restitution may be required.\u003c\/p\u003e\n\u003cp\u003eRegulation Z, part of the Truth in Lending Act, is designed to promote informed credit use by requiring clear and consistent disclosure of credit terms. Two of the most critical components are the finance charge and the annual percentage rate (APR), which must be presented accurately and uniformly across disclosures.\u003c\/p\u003e\n\u003cp\u003eDesigned for those in the consumer lending space — including both real estate and non-real estate lending — this course provides the knowledge needed to ensure compliance with Regulation Z disclosure standards.\u003c\/p\u003e","brand":"Vubiz","offers":[{"title":"Default Title","offer_id":50853326881049,"sku":"P0171EN","price":40.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0888\/5020\/2905\/files\/regulation-z-apr-and-finance-charges-vubiz.jpg?v=1751330955","url":"https:\/\/vubiz.myshopify.com\/products\/regulation-z-apr-and-finance-charges","provider":"Vubiz","version":"1.0","type":"link"}