Which of the following disclosures required under Rhode Island law must be provided to all loan applicants under the HLPA?

The Prohibited Acts and Practices Disclosure Regarding All Home Loans is indeed a requirement under Rhode Island's Home Loan Protection Act (HLPA) that must be provided to all loan applicants. This disclosure serves to inform borrowers of their rights and the potential risks associated with home loans, ensuring that they are aware of various prohibited practices in lending. By mandating this disclosure, the law aims to foster transparency and protect consumers from predatory lending practices.

In contrast, the other disclosures listed, while important, do not apply universally to all loan applicants under the HLPA. The Interest Rate Disclosure, Loan Estimate Disclosure, and Closing Disclosure have specific purposes and requirements that may vary based on different stages of the mortgage process and the type of loan being applied for, rather than being mandated for every applicant under the HLPA. Therefore, the specific focus on prohibited acts as a universal requirement underscores the consumer protection orientation of the HLPA.