According to the Truth-in-Lending Act (Regulation Z), which of the following must be stated in the Truth-in-Lending disclosure?

Attorney fees may be part of the overall closing costs in a transaction but are not specifically required to be disclosed under the Truth-in-Lending Act. The focus of Regulation Z is on the terms of the loan itself, and while certain fees may be included in a closing statement, they do not have to be explicitly detailed in the Truth-in-Lending disclosure.

Similar to attorney fees, the cost of a title policy is a component of the closing costs that may affect the total expense of obtaining a loan. However, this cost is not specified as a required disclosure under the Truth-in-Lending Act, which primarily emphasizes the loan's terms, particularly the APR, rather than individual service fees.

A broker's commission is typically considered part of the real estate transaction costs rather than a cost of borrowing. While it may be relevant in the context of closing costs, it is not a requirement to be disclosed in the Truth-in-Lending statement, which is primarily concerned with the financial terms related to the loan itself.