Which item is included under the eight aspects covered by TILA?

The inclusion of the CHARM Booklet under the eight aspects covered by the Truth in Lending Act (TILA) is significant because it represents TILA's emphasis on transparency and consumer protection regarding adjustable-rate mortgages (ARMs). The CHARM Booklet is a required disclosure that provides essential information to borrowers about the risks and workings of adjustable-rate loans, including how interest rates can change over time and how that may affect monthly payments. This aligns with TILA’s goal of ensuring that consumers are well-informed about the financing they are considering, allowing for better decision-making and protection from unexpected financial burdens associated with variable interest rates.

In contrast, the other options do not fall under TILA's primary focus. International loan regulations pertain to global financial systems, which TILA does not cover. Credit Card Disclosures are managed under separate regulations specific to credit cards rather than being a direct component of TILA's eight aspects. State-specific lending guidelines apply to local regulations and may vary significantly by jurisdiction, whereas TILA provides a federal standard aimed at protecting consumers in mortgage lending across the country.