(S (S (NP (BASENP (DT The) (NNP US) (NNP Truth)) (PP (IN in) (BASENP (NNP Lending) (NNP Act)))) (VP (VBZ requires) (SBAR (IN that) (S (NP (BASENP (NNS terms)) (PP (IN of) (BASENP (DT a) (NN loan)))) (VP (VB be) (VP (VP (VBN set) (ADVP (RB forth))) (ADVP (RB up) (BASENP (NN front))))))))) (PERIOD .))