Which of the following does NOT require a Truth-in-Savings Act disclosure?

The correct choice is that accounts established for unincorporated, nonbusiness associations do not require a Truth-in-Savings Act (TISA) disclosure. TISA is designed primarily to ensure that consumers receive clear and meaningful information regarding their deposit accounts, primarily focusing on accounts used for personal, family, or household purposes.

Unincorporated nonbusiness associations, such as various community groups or clubs, do not fall under the same purview for TISA disclosures as accounts used for personal purposes. Because TISA's primary concern is consumer protection in the context of individual consumers rather than organizational or business accounts, these types of accounts are excluded from TISA requirements.

In contrast, accounts held by individuals for personal use or those under specific retirement accounts like IRA and SEP must follow TISA rules to ensure consumers understand terms and conditions affecting their savings. Similarly, accounts under the Uniform Transfers to Minors Act are also required to have disclosures, since they pertain to savings intended for future use by minors. This classification reinforces why the unincorporated associations are the correct answer—TISA focuses primarily on individual consumer accounts rather than on the accounts of nonbusiness entities.