Which regulation limits the use and sharing of credit information and mandates disclosures to consumers?

The Fair Credit Reporting Act (FCRA) is the regulation that specifically limits the use and sharing of credit information while mandating certain disclosures to consumers. The FCRA ensures that consumer reporting agencies are accurate and fair in their reporting practices. It grants consumers the right to access their credit reports, dispute inaccuracies, and understand how their credit information is used.

Additionally, the FCRA requires that consumers be informed when credit information is used against them, such as in decisions about loan applications or insurance, ensuring transparency in transactions that affect individuals' credit. This regulation plays a crucial role in protecting the privacy of consumers and promoting fairness in the credit reporting process, which is essential for fostering trust and ensuring that individuals are treated equitably in lending scenarios.

In contrast, while the other regulations mentioned are important in their own areas—such as fair lending, real estate transaction disclosures, and truth in lending practices—they do not specifically address the broader privacy and accuracy concerns surrounding credit information in the same way that the FCRA does.