What regulation addresses the truth in lending and provides guidelines concerning interest rates?

Regulation Z is the correct answer because it implements the provisions of the Truth in Lending Act (TILA), which requires lenders to disclose certain information to borrowers about the terms of their loans. This includes clear and concise statements regarding interest rates, the cost of credit, and any other necessary information that helps consumers make informed decisions when borrowing money. Regulation Z mandates transparency in lending practices, ensuring that potential borrowers understand the financial implications of taking out a loan.

While the Truth in Lending Act itself establishes the requirement for these disclosures, it is Regulation Z that provides the detailed guidelines and regulations that lenders must follow to comply with TILA. Regulation X, on the other hand, pertains to real estate settlement procedures and is not focused on lending disclosures. Consumer Credit Protection refers more broadly to statutes aimed at protecting consumers in the context of credit transactions but does not specifically address the detailed requirements that are outlined in Regulation Z. Thus, Regulation Z is pivotal for setting standards regarding the transparency of interest rates in lending.