Which advertisement would trigger the disclosure of all finance charges and the true APR under Regulation Z?

The correct answer describes a scenario that falls under the requirements of the Truth in Lending Act, specifically Regulation Z. When an advertisement mentions specific credit terms, such as a monthly payment amount, it creates a trigger for the lender to disclose all finance charges and the true Annual Percentage Rate (APR).

In this case, stating "monthly payments under $700" communicates a specific term of credit, which necessitates clear and conspicuous disclosure of the total cost of financing. This requirement ensures that consumers have access to all relevant information when considering loan options, helping them understand the true cost of the borrowing.

On the other hand, advertisements that do not reference specific credit terms, such as general statements about interest rates, incentives to stop paying rent, or offers that highlight no down payment, do not trigger the same disclosure requirements. While they may suggest conditions that could be attractive to consumers, they do not provide the specificity needed to activate Regulation Z's disclosure provisions.