谢谢薯老爷指点

去搜了一下， 才明白tila是啥意思：）） 

The federal Truth-in-Lending Act (TILA) is a law requiring that a lender disclose the terms of a mortgage (including the APR and other charges) in writing. TILA is designed to protect consumers and ensure clear disclosure of the key terms of the loan, as well as any costs or fees involved.