Advertising all costs of loan

When examples or tables of periodic payments under a flat payment plan are advertised, they shall include all charges to the borrower as well as interest and principal. If only principal and interest payments are advertised, a clear statement of the rate of charge or the total amount of charge shall also be included. In all such advertising, the total number and frequency of payments must be specified. No advertising shall include average repayments or average cost of a loan.