(c) SECOND MorTGAGES.-—Section 3(1)(A) of the Real Estate Settlement Proce- dures Act of 1974 (12 U.S.C. 2602(1)(A)) is amende d by striking “or subordinate”. (d) CONSISTENCY OF RESPA AND TRUTH IN LEN DING ACT EXEMPTION OF BUSINESS LoANS.—Section 7 of the Real Estate Settleme nt Procedures Act of 1974 (12 U.S.C. 2606) is amended— (1) by inserting “{a) IN GENERAL.—”before “This Act”; and (2) by inserting at the end the following new subsection: “(b) INTERPRETATION.—In issuing regulations pursuant to section 19(a) of this Act, the Board shall ensure that, with regard to su section (a), the exemption for busi- ness credit includes all business credit which is exempt from the Truth in Lending Act in accordance with section 226.3(a) of the regulatio ns prescribed by the Board known as‘regulation Z' (12 C.F.R. 226.3{a)), as in effect on the date of enactment of the Financial Institutions Regulatory Relief Act of 19 95.”. SEC. 105. DISCLOSURES FOR ADJUSTABLE RATE MORTGAGES. (a) IN GENERAL.—Section 127A(a)(2)(G) of the Truth in Lending Act (i5 U.S.C. 1637a(a)(2)(G)) is amended by inserting before the semicolon “, or a statement that the monthly payment may increase or decrease significa ntly due to increases in the annual percentage rate”.