Which of the following must be part of the TISA disclosure for interest rates?

The correct answer highlights the necessity for financial institutions to disclose current interest rates and any potential future changes as part of the TISA regulations. This requirement ensures that consumers have access to pertinent information regarding how much interest they can earn on their deposits currently and whether those rates are likely to change in the future. This transparency is crucial for allowing consumers to make informed decisions about where to place their savings. Under TISA, the disclosure is designed to make the terms regarding interest rates clear and understandable, enabling consumers to compare the offerings of different financial institutions effectively.

This requirement for current rates and future changes plays a vital role in consumer protection, providing them with the necessary information to gauge the growth potential of their savings accounts. Not knowing future changes might cause consumers to be misled about the actual earning potential of their accounts if interest rates fluctuate.

Other options, while containing information relevant to interest rates and consumer interests, do not meet the specific disclosure criteria set forth by TISA. For instance, detailing penalties or past promotional rates does not provide insight into the current conditions of a savings account that a consumer might be evaluating. This is why those options do not fulfill the core requirement of TISA disclosures as effectively as the current interest rates and any foreseen changes.