INTRODUCTION. Induction of labour is a common procedure in obstetrics (1, 2), and is defined as the initiation of labour by artificial means prior to its spontaneous onset at a viable gestational age, with the aim of achieving vaginal delivery in a pregnant woman with intact membranes.
The Truth in Lending Act provides that a lender refinancing a residential property must give the borrower. 1  a copy of the TILA disclosure for the initial loan. 2  nothing, as the law does not apply to refinancing. 3  a new TILA disclosure for the new loan.  a new TILA disclosure only if it is requested.
An APR increase of more than .125% from the initial TIL requires the lender to update and re-issue (and the home buyer to receive) the new and final APR via the Truth in Lending (TIL) disclosure a minimum of 3 business days prior to the closing date. If the change is less than .125%, then no re-disclosure is required.