THE ACT AND REGULATION COVER THE PROVISION OF CREDIT INFORMATION TO CONSUMERS, THE CONSUMER'S RIGHT TO CANCEL CERTAIN CREDIT TRANSACTIONS, ADVERTISING OF CONSUMER CREDIT AND LEASE TERMS, PROHIBITIONS AGAINST ISSUANCE OF UNSOLICITED CREDIT CARDS, RESOLUTION OF CREDIT BILLING DISPUTES, AND RELATED MATTERS. REGULATION Z CONTAINS SECTIONS DEFINING THE AUTHORITY, SCOPE, AND PURPOSES OF THE ACT AND REGULATION; DEFINING TERMS; AND COVERING EXEMPTED TRANSACTIONS, DETERMINATION OF FINANCE CHARGES, DETERMINATION OF ANNUAL PERCENTAGE RATES, GENERAL DISCLOSURE REQUIREMENTS, SPECIFIC DISCLOSURE REQUIREMENTS FOR OPEN-END CREDIT ACCOUNTS AND FOR OTHER TYPES OF ACCOUNTS, THE RIGHT TO RESCIND CERTAIN CREDIT TRANSACTIONS, ADVERTISING OF TERMS, COMPUTAION AND DISCLOSURE OF A COMPARATIVE INDEX OF CREDIT COSTS FOR OPEN-END CREDIT, EXEMPTION OF CERTAIN STATE-REGULATED TRANSACTIONS, SPECIAL REQUIREMENTS FOR CREDIT CARD TRANSACTIONS, PROCEDURES FOR RESOLVING BILLING ERRORS, AND DISCLOSURE AND OTHER REQUIREMENTS FOR CONSUMER LEASING. A COPY OF THE LAW IMPLEMENTED BY REGULATION Z AND INTERPRETATIONS OF THE REGULATION ARE PROVIDED. APPENDED MATERIALS INCLUDE A PAMPHLET DESIGNED TO ANSWER CREDITORS' QUESTIONS ABOUT COMPLIANCE WITH THE REGULATION, A LIST OF RELEVANT FEDERAL ENFORCEMENT AGENCIES, AND OTHER DOCUMENTATION. (LKM)