$53.$ A small triplex was purchased. At the time of the loan application the quoted interest rate was $6\mathrm{.}5\%.$ At the time of closing the true interest rate, including finance charges came to$7\mathrm{.}5\%.$ The lender did not disclose this to the potential purchasers. The lender is in violation of which law? $($a$)$ Real Estate Settlement Procedures Act $($b$)$ Fair Housing Act $($c$)$ Truth$-$In$-$Lending Act $($d$)$ Equal Credit Opportunity Act