; and (B) does not include any obligation or alleged obligation of an individual that is primarily for personal, family, or household purposes. (12) Specific offer The term specific offer means the specific terms of small business financing, including price or amount, that is quoted to a recipient, based on information obtained from, or about the recipient, which, if accepted by a recipient, shall be binding on the provider, as applicable, subject to any specific requirements stated in such terms. 192. Application of this title to small business financing (a) In general This title shall apply to small business financing made to a small business to the same extent as this title applies to extensions of credit made to a consumer. (b) Rulemaking The Director shall issue such rules as may be required to carry out this chapter. (c) Bureau authority For purposes of carrying out this chapter and other Federal laws, including the Consumer Financial Protection Act of 2010, the Bureau shall have the same authority with respect to small business financing as the Bureau has with respect to consumer financial products and services. 193. Additional disclosures (a) In general Any provider offering small business financing to a small business shall disclose the following pieces of information to a recipient at the time of extending a specific offer for small business financing: (1) Financing amount The total amount to be paid to the small business, taking into account all fees and charges to be withheld at disbursement. (2) Annual percentage rate (A) Closed-end commercial credit With respect to closed-end commercial credit, the annual percentage rate, using only the words annual percentage rate or the abbreviation APR , expressed as a yearly rate, inclusive of any fees and finance charges that cannot be avoided by a recipient. (B) Open-end commercial credit plans With respect to open-end commercial credit plans, the annual percentage rate, using only the words annual percentage rate or the abbreviation APR , expressed as a