What does "credit score" disclosures under Regulation Z entail?

The correct answer articulates that creditors are required to disclose if they used a credit score in making credit decisions and must also provide that score to consumers upon request. This requirement ensures transparency in the lending process and allows consumers to understand how their credit behavior may have influenced the decision on their loan application.

By mandating these disclosures, Regulation Z helps consumers to have a clearer picture of their creditworthiness, which can empower them to make informed financial decisions and take actions to improve their credit profiles if necessary. Such transparency aligns with the overall goal of regulation, which is to promote fairness and prevent misleading practices in the credit industry.

The other options do not reflect the actual requirements set out by Regulation Z, as the regulation does mandate disclosures pertaining to credit scores rather than prohibiting them or providing exemptions based on loan amounts.