APR/interest rate disclosed prominently on credit pages

Reg Z (TILA), codified at 12 CFR 1026.6 and 1026.18, mandates that the Annual Percentage Rate be conspicuously disclosed on credit product pages — not buried in a linked PDF or discoverable only after application. A credit product that hides its APR until post-application exposes users to deceptive lending practices and exposes the company to CFPB enforcement and private right of action under TILA. FINRA Rule 2210 reinforces this for investment credit products: omitting material cost information (such as borrowing rates) from customer-facing communications is a standalone violation. APR buried below the fold on a 1080p display also fails the "prominence" standard regulators apply at examination.

Place APR disclosure above the fold on every credit or loan product page. In app/products/personal-loan/page.tsx (or equivalent), render the rate as a visually prominent element before any application CTA:

// app/products/personal-loan/page.tsx
<div className="apr-disclosure" aria-label="Annual Percentage Rate">
  <span className="label">APR</span>
  <span className="value">7% – 12%</span>
  <span className="footnote">
    Rate based on creditworthiness. Your exact APR will appear at application.
  </span>
</div>

If the product has a single fixed rate, show it directly. If rate ranges apply, display the full range (lowest–highest). Never redirect users to a Terms & Conditions document as the sole APR source.