Bee borrows funds from Credit Union to repair her home and to buy a car. She buys a laptop from Discount Store in a transaction financed by the seller. If these parties are subject to the Truth-in-Lending Act, Regulation Z applies to

A) the car loan only.
B) the home repair loan only.
C) the retail installment sale only.
D) the car loan, the home repair loan, and the retail installment sale.

Regulation Z, which implements the Truth-in-Lending Act, applies to all types of consumer credit transactions, including car loans, home repair loans, and retail installment sales like the purchase of a laptop financed by the seller. This regulation requires lenders to provide borrowers with clear and standardized information about the terms and costs of loans, ensuring consumers are well-informed about their credit obligations.