Which of the following loan facts is a creditor NOT required to disclose to borrow under HOEPA regulations?

Under the Home Ownership and Equity Protection Act (HOEPA), creditors are mandated to provide specific disclosures to borrowers regarding high-cost loans to ensure transparency and protect consumers from predatory lending practices. These disclosures include critical information such as the monthly payment amount, the total cost of the loan, and various terms associated with the loan.

The appraised value of the property, while important for the lender and the borrower, is not a specific requirement under HOEPA regulations for disclosure. The focus of HOEPA disclosures is primarily on the costs and terms of the loan itself rather than the value of the underlying collateral. Thus, creditors are not legally obligated to disclose the property’s appraised value to the borrower under these regulations, making it the correct answer in this context.