The Z (regulation) is an addition to the U.S. Truth in Lending Act (TILA). TILA is a federal law that requires lenders to provide borrowers with certain disclosures about their loans. The Z (regulation) requires lenders to provide additional disclosures about certain types of loans, including home equity lines of credit (HELOCs), reverse mortgages, and certain types of loans made by finance companies. This includes the Annual Percentage Rate (APR), the amount of interest that will be charged over the life of the loan, and any fees that may be associated with the loan.