What type of information is usually considered a "trigger term"?

A "trigger term" refers to specific words or phrases in advertising or loan offers that can indicate the terms of a loan and prompt the need for additional disclosures. Monthly payment amounts fall into this category because they are critical details that can influence a borrower's decision-making process. When a lender advertises a specific monthly payment, it automatically triggers the requirement to disclose more comprehensive information about the loan terms, including the total cost of the loan, the interest rate, and other key details.

Other options, while they may be relevant in a broader context of lending or marketing, do not directly relate to the obligation to disclose additional information under Truth in Lending regulations. Demographic data and comments from past clients do not affect loan terms and thus do not trigger additional disclosures. Visual images of properties, while important in marketing, also do not constitute a trigger term since they do not convey specific financing details that require further clarification.