The Truth in lending Act requires that all credit card issuers disclose their method of finance charge, annual percentage rate (APR), loan terms prohibits card issuers from sending unrequested cards, and limits a cardholder’s responsibility for unauthorized used of a card to $50.

To read The Truth in Lending Act in its entirety, visit
http://www.fdic.gov/regulations/laws/rules/6500-1200.html