Which act requires providers to disclose certain written information about finance charges?

The correct option is the Consumer Credit Protection Act of 1968, specifically its Truth in Lending Act component. This act was designed to promote informed use of consumer credit by requiring disclosures about its terms and costs. For healthcare providers, this means they must provide patients with clear written information regarding finance charges related to medical bills, ensuring transparency in billing practices.

By compelling providers to disclose the true cost of credit, including interest rates and other fees, patients are equipped with the necessary information to make informed decisions about their financial obligations. This law strengthens consumer rights and knowledge, which is essential in the healthcare sector where unexpected bills can often arise.

The other acts mentioned serve different purposes: the Electronic Funds Transfer Act focuses on consumer rights in electronic payments, the Health Insurance Portability Act is concerned with health insurance portability and privacy issues, and the Fair Debt Collection Practices Act regulates the actions of debt collectors rather than imposing disclosure requirements on providers themselves. Each of these acts plays a vital role in financial and consumer protections but does not specifically address the requirement for providers to disclose finance charges as clearly as the Truth in Lending Act does.