Which of the following requires lenders to inform borrowers of all finance charges, fees, and interest?

The requirement for lenders to inform borrowers of all finance charges, fees, and interest is specified under Regulation Z. This regulation implements the Truth in Lending Act (TILA), which aims to promote the informed use of credit by requiring disclosures about its terms and costs. Regulation Z mandates that lenders provide clear and consistent information regarding the cost of borrowing, allowing consumers to understand what they will be paying.

This ensures that borrowers have all the necessary details regarding loan costs, enabling them to make informed financial decisions. The regulation emphasizes clarity and transparency in lending practices, which helps to safeguard consumers against misleading credit practices and escalating debts.

While other options, such as HUD, FHA, and RESPA, are involved in various aspects of real estate and lending regulations, they do not specifically impose the same broad disclosure requirements about finance charges and interest as Regulation Z does. Thus, Regulation Z is the correct answer for this question regarding disclosure requirements in lending.