This mandates disclosure of information about the cost of credit. Both the finance charge (such as all charges to borrow money, including interest) and the annual percentage rate or APR (the percentage cost of credit on a yearly basis) must be displayed prominently on forms and statements used by creditors. The law provides criminal penalties for willful violators, as well as civil remedies. It also protects you against unauthorized use of your credit card. If your card is lost or stolen and you report it, the most you have to pay is $50..