In Requirements section of Adjusted Mortgage Regulation (12 CFR 34), for loans subject to both the OCC ARM regulation and to Regulation Z, 12 CFR 226.19(b)-that is, loans made to an individual, for personal purposes, secured by the borrower's principal dwelling, and having a term longer than one year- the index to which the interest rate is tied must be:

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The Requirements section of Adjusted Mortgage Regulation (12 CFR 34) states that for loans subject to both the OCC ARM regulation and to Regulation Z, the index to which the interest rate is tied must be specified in loan documents and readily available to and verifiable by the borrower. Therefore, choice D, which includes both A and B, is the best answer. Multiple values of a chosen measure or a moving average of the chosen measure calculated over a specified period (choice C) is not required for the index to which the interest rate is tied.

In Requirements Section of Adjusted Mortgage Regulation (12 CFR 34)