In what situation is a creditor NOT required to respond orally to information requests under Regulation Z?

A creditor is permitted to respond in writing rather than orally to information requests under Regulation Z if they choose to do so. Regulation Z, which implements the Truth in Lending Act, establishes certain requirements for creditors regarding how they communicate and provide information to consumers. While creditors are obligated to provide information upon request, they are not strictly required to respond verbally if they determine that a written response is adequate.

In many instances, a written response might be clearer or more appropriate, especially for complex information. Thus, this situation allows creditors the flexibility to choose their method of communication while still fulfilling their obligation to respond to consumer inquiries.

Other scenarios provided in the question involve specific conditions under which the creditor's obligation might vary, such as the nature of the request or the availability of answers, which would not grant them the same leeway in choosing to respond in writing.