Which term describes someone who is talkative and fond of talking?

The term that describes someone who is talkative and fond of talking is "loquacious." This adjective specifically refers to a person who has a tendency to engage in a lot of conversation, often to the point of being excessively chatty. It implies not just a love for talking but also a certain ease or fluency in speech, making it the perfect fit for someone who enjoys expressing themselves verbally.

In contrast, "phlegmatic" describes someone who is calm or composed, often appearing indifferent rather than talkative. "Nondescript" refers to something or someone that lacks distinctive features or characteristics, which does not align with the notion of being talkative. Lastly, "vivacious" pertains to someone who is lively and animated, which may imply energy but does not specifically denote talkativeness. Thus, loquacious stands out as the most accurate choice to convey the idea of being chatty and verbose.