Julio is planning to finance his new home with a mortgage from Local Bank. When meeting with his mortgage banker, he is given a loan packet detailing the amount to be financed, the annual percentage rate (APR), and the loan's terms and conditions. What legislation requires the bank to disclose this information to Julio?

a. The Consumer Credit Protection Act
b. The Consolidated Omnibus Budget Reconciliation Act
c. The Fair Debt Collection Practices Act
d. The Banking Act of 1933