Subject to subsection (b) of this section, a creditor or lessor shall disclose to the person who is obligated on a consumer lease or a consumer credit transaction the information required under this subchapter. In a transaction involving more than one obligor, a creditor or lessor, except in a transaction under section
1635 of this title, need not disclose to more than one of such obligors if the obligor given disclosure is a primary obligor.