Which of the following deals most specifically with representations made in mortgage advertising?

The correct choice focuses on the MAP rule, or the Mortgage Acts and Practices Rule. This regulation specifically addresses how mortgage advertising should be conducted to ensure that representations made to potential borrowers are clear, truthful, and not misleading. The MAP rule requires that advertisements for mortgage products include certain disclosures and prohibits false or deceptive representations, helping to protect consumers from misleading practices in mortgage lending.

In contrast, Regulation X governs the Real Estate Settlement Procedures Act (RESPA), which primarily deals with disclosure of settlement costs and the servicing of mortgage loans rather than advertising. The Home Mortgage Disclosure Act (HMDA) is focused on data collection and reporting concerning mortgage lending practices, which is aimed at ensuring fair lending rather than addressing the specifics of advertising. The E-Sign Act pertains to electronic signatures and records in transactions, which is unrelated to mortgage advertising. Thus, the MAP rule is the most relevant regulation concerning the representations made in mortgage advertising.