Final answer:
Under Regulation Z, 'B) Low monthly payments' and 'D) Only $10,000 down' are considered trigger items because they detail specific terms of the loan, which requires additional disclosures such as APR and terms of repayment.
Step-by-step explanation:
Under Regulation Z, which is part of the Truth in Lending Act, certain statements when made in the context of credit sales, home secured loans, and certain other consumer loans can trigger additional disclosure requirements. These trigger terms require the advertiser to make additional disclosures about the loan terms. Looking at the options provided, 'B) Low monthly payments' and 'D) Only $10,000 down' are both trigger terms because they refer directly to the payment amounts or down payment, which are specific terms of the loan. Consequently, advertisers must provide additional details, such as the loan's annual percentage rate (APR), the terms of repayment, and any finance charge.
While 'A) FHA financing available' does indicate a type of financing, it does not specify payment amounts or specific credit terms. 'C) A steal at only $175,000!' references only the price of the home without discussing the financing terms, so it does not constitute a trigger term under Regulation Z.