PIB TIP: GET FULL DISCLOSURE. Get full disclosure before you sign a finance contract. Make sure that the total price is clearly defined. Truth-in-lending laws do not apply to commercial loans, such as truck financing, so dealers do not have to give full disclosure, but most will do so if they are asked. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Freightliner Trucks.