What requires businesses to explain all interest charges, late charges, collection fees, and finance charges up front before the time of service?

Truth in Lending Consumer Credit Cost Disclosure.

Explanation:

The Truth in Lending Act (TILA) also known as Consumer Credit Protection Act (CCPA) is a federal law of the United States of America that was enacted by the 89th US Congress. It became effective on the 29th of May, 1968.

The main purpose of this federal law (Act) is to protect the consumer while using credit by mandating businesses to provide a full disclosure of the terms and conditions with respect to the credit.

Truth in Lending Consumer Credit Cost Disclosure requires businesses to explain all interest charges, late charges, collection fees, and finance charges up front before the time of service.

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