Which of the following is NOT a Truth in Lending Act disclosure box item?

The correct choice is the cost of an oil change because it does not relate to the financing of a loan or credit agreement. The Truth in Lending Act (TILA) is designed to ensure that consumers are provided with clear and accurate information regarding the costs associated with borrowing money.

The items typically included in the Truth in Lending Act disclosure box, such as the amount financed, late payment charges, and the payment schedule, are all directly linked to the terms and conditions of a loan. The amount financed represents the total amount that is being borrowed. The late payment charge provides important information on what fees might be incurred if a payment is not made on time. The payment schedule outlines how and when payments are to be made, serving as a crucial aspect of the loan's structure.

In contrast, the cost of an oil change is unrelated to the terms of a loan or credit and does not fall within the scope of disclosures mandated by TILA. Thus, it is appropriate to identify it as an item not included in the disclosure box required by the Truth in Lending Act.