The act that mandates lenders to disclose terms and conditions of consumer loans is known as:

The Truth in Lending Act (TILA) is the legislation that requires lenders to provide clear and comprehensive information about the terms and conditions of consumer loans. This act aims to promote informed decision-making by ensuring that consumers understand the cost of credit and the terms involved in borrowing. Under TILA, lenders must disclose essential details such as the annual percentage rate (APR), finance charges, and other terms that could affect the borrower's decision regarding the loan. The transparency mandated by TILA helps protect consumers from deceptive lending practices and allows them to compare different financing options effectively.

Other acts mentioned, such as the SAFE Act, the Community Reinvestment Act (CRA), and the Real Estate Settlement Procedures Act (RESPA), focus on different aspects of real estate and lending practices. While the SAFE Act establishes regulations for mortgage loan originators, the CRA aims to ensure that financial institutions serve the needs of the communities in which they operate. RESPA deals with the disclosure of settlement costs in real estate transactions. Each of these acts serves a distinct purpose, but it is TILA specifically that addresses the disclosure of loan terms to consumers.