For an open-end credit plan secured by the consumer's dwelling (a HELOC), the creditor must provide, generally with the application, disclosures on the conditions under which a finance charge is imposed, the range of APRs, fees, and the maximum APR that may be imposed in a variable-rate plan, the payment terms, and a statement of the consumer's right to rescind under 1026.15, along with a brochure explaining home equity plans generally (12 CFR 1026.40).
The graph holds this control, the 0 it maps to, and the evidence behind each claim, over MCP and REST.