The Consumer Financial Protection Bureau on October 3, 2015, implemented a combined disclosure that meets the disclosure requirements of TILA and what?

The correct answer is that the Consumer Financial Protection Bureau (CFPB) implemented a combined disclosure that meets the requirements of the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA). This combined disclosure is known as the Loan Estimate and Closing Disclosure forms, which were designed to simplify the information provided to consumers during the mortgage lending process.

The integration of TILA and RESPA disclosure requirements was aimed at reducing confusion, making it easier for borrowers to understand the costs associated with their loans and to compare different loan offers. By combining these two sets of disclosures, the CFPB has streamlined the process and increased transparency, ensuring that consumers receive all necessary information in a more coherent and accessible format.

Other options, such as the Equal Credit Opportunity Act or the Fair Housing Act, while important laws, do not have disclosure requirements that overlap with TILA in the same way that RESPA does. Therefore, they were not included in this specific combined disclosure initiative.