In Order for a Loan to Come Within the Scope

In order for a loan to come within the scope of the Truth in Lending Act,________.

A) the credit or loan must be subject to a finance charge
B) the credit or loan must have repayments of more than four installments
C) the credit or loan must have an interest rate of over 5%
D) the credit or loan must be subject to a finance charge,the credit or loan must have repayments of more than four installments,and the credit or loan must have an interest rate of over 5%
E) the credit or loan must be subject to a finance charge or have repayments of more than four installments,but there is no requirement that the loan have an interest rate of over 5%