Safe National Bank Has a Variety of Consumer Lending Products

Safe National Bank has a variety of consumer lending products. Among them are debt cancellation contracts that allow for the cancellation of a consumer's debt if certain events happen. The bank solicits sales for these contracts when the consumer makes an in-person loan application. What does Safe National have to do at the time of the application and solicitation?

A) Nothing. Disclosures are required only when the contract is made.
B) Give the customer the short-form disclosures orally.
C) Give the customer the short-form disclosures in writing.
D) Give the customer the long-form disclosures.