An MLO is presenting an option-ARM product to a borrower and emphasizes only the minimum payment option, describing it as an 'affordable payment plan' without explaining that the other payment options exist or that choosing minimum payments will cause the loan balance to grow. This conduct most directly violates:

Regulation B, because the borrower was not provided with an adverse action notice The Gramm-Leach-Bliley Act, because the borrower's financial information was not adequately protected TILA and the duty of fair dealing, because material information about the loan's features was withheld, preventing informed consent RESPA Section 6, because the borrower was not provided with a proper servicing transfer notice