Which of the Following Must Be True in Order for a Loan

Which of the following must be true in order for a loan to come within the protection 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, or 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 regarding the loan having an interest rate of over 5%.