Regulation Q
E109628
Regulation Q was a former Federal Reserve regulation that prohibited banks from paying interest on demand deposits and capped interest rates on other deposit accounts, significantly shaping U.S. banking practices until its repeal.
All labels observed (3)
| Label | Occurrences |
|---|---|
| Regulation Q canonical | 3 |
| Regulation Q (historically) | 1 |
| Regulation Q interest rate ceilings on deposit accounts | 1 |
How this entity was disambiguated
This entity first appeared as the object of triple T931179 — resolving that mention is where its identity was fixed. The disambiguator weighed these candidate entities and picked the highlighted one (or “None”, minting a new entity). This is how homonymy is resolved: the same surface form can point to different entities.
NED1
Entity disambiguation (via context triple)
gpt-5-mini-2025-08-07
Target entity: Regulation Q Context triple: [Regulation D, relatedTo, Regulation Q]
-
A.
Regulation T
Regulation T is a Federal Reserve Board rule that governs the extension of credit by securities brokers and dealers, including margin requirements for purchasing securities.
-
B.
Regulation Z
Regulation Z is a key U.S. federal rule implementing the Truth in Lending Act, requiring clear disclosure of credit terms and costs to protect consumers in credit transactions.
-
C.
Glass–Steagall Act
The Glass–Steagall Act was a landmark U.S. banking law of the 1930s that separated commercial and investment banking to curb financial speculation and prevent future banking crises.
-
D.
Bank Rate
Bank Rate is the United Kingdom’s official policy interest rate set by the Bank of England to influence borrowing costs, inflation, and overall economic activity.
-
E.
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 is a U.S. federal law that deregulated interstate banking by allowing bank holding companies and banks to expand and operate branches across state lines, reshaping the national banking landscape.
- F. None of above. chosen
- G. Unsure - the case is ambiguous/there is not enough information to decide.
NED2
Entity disambiguation (via description)
gpt-5-mini-2025-08-07
Target entity: Regulation Q Target entity description: Regulation Q was a former Federal Reserve regulation that prohibited banks from paying interest on demand deposits and capped interest rates on other deposit accounts, significantly shaping U.S. banking practices until its repeal.
-
A.
Regulation T
Regulation T is a Federal Reserve Board rule that governs the extension of credit by securities brokers and dealers, including margin requirements for purchasing securities.
-
B.
Regulation Z
Regulation Z is a key U.S. federal rule implementing the Truth in Lending Act, requiring clear disclosure of credit terms and costs to protect consumers in credit transactions.
-
C.
Glass–Steagall Act
The Glass–Steagall Act was a landmark U.S. banking law of the 1930s that separated commercial and investment banking to curb financial speculation and prevent future banking crises.
-
D.
Bank Rate
Bank Rate is the United Kingdom’s official policy interest rate set by the Bank of England to influence borrowing costs, inflation, and overall economic activity.
-
E.
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 is a U.S. federal law that deregulated interstate banking by allowing bank holding companies and banks to expand and operate branches across state lines, reshaping the national banking landscape.
- F. None of above. chosen
Statements (44)
| Predicate | Object |
|---|---|
| instanceOf |
Federal Reserve regulation
ⓘ
banking regulation ⓘ |
| administeredBy |
Federal Reserve Board
ⓘ
linked to:
Federal Reserve Board of Governors
|
| appliedDuring | era of administered interest rates in U.S. banking ⓘ |
| appliesTo |
U.S. depository institutions
ⓘ
member banks of the Federal Reserve System ⓘ |
| capped |
interest rates on certain time deposits
ⓘ
interest rates on savings accounts ⓘ |
| country | United States of America ⓘ |
| effect |
contributed to disintermediation during periods of high market interest rates
ⓘ
discouraged payment of interest on checking accounts ⓘ encouraged development of negotiable order of withdrawal (NOW) accounts ⓘ encouraged growth of money market mutual funds ⓘ encouraged use of non‑interest‑bearing demand deposits ⓘ influenced structure of U.S. retail deposit markets ⓘ |
| enforcedBy |
Board of Governors of the Federal Reserve System
ⓘ
linked to:
Federal Reserve Board of Governors
|
| implementedBy |
interest rate ceilings on deposits
ⓘ
prohibition of interest on demand deposits ⓘ |
| influenced |
bank pricing strategies for deposits
ⓘ
development of alternative cash management products ⓘ |
| introducedAs |
Section 11 of the Banking Act of 1933
ⓘ
linked to:
Glass–Steagall Act
|
| jurisdiction |
United States
ⓘ
linked to:
United States of America
|
| legalBasis |
Banking Act of 1933
ⓘ
linked to:
Glass–Steagall Act
Glass–Steagall Act ⓘ |
| phasedOutBy |
Depository Institutions Deregulation and Monetary Control Act of 1980
ⓘ
Garn–St Germain Depository Institutions Act of 1982 ⓘ |
| primaryPurpose |
control cost of bank funds
ⓘ
limit competition for deposits among banks ⓘ promote stability of the banking system ⓘ |
| prohibited | payment of interest on demand deposits ⓘ |
| regulates | interest on deposits ⓘ |
| relatedConcept |
demand deposits
ⓘ
disintermediation ⓘ interest rate ceilings ⓘ savings deposits ⓘ time deposits ⓘ |
| relatedTo |
Regulation D
ⓘ
Regulation DD ⓘ |
| repealedBy | Dodd–Frank Wall Street Reform and Consumer Protection Act ⓘ |
| repealEffectiveDate | July 21, 2011 ⓘ |
| scope |
commercial banks
ⓘ
savings and loan associations (for certain provisions over time) ⓘ |
| startDate | 1933 ⓘ |
| status | repealed ⓘ |
How these facts were elicited
The pipeline generated the facts above by prompting gpt-5.1 with this entity's name + description and the instruction below.
Instruction
You are a knowledge base construction expert. Given a subject entity and a description of it, return factual statements that you know for the subject as a JSON list of dictionaries(triples), where keys must be "subject", "predicate" and "object". The number of facts may be very high, between 25 to 50 or more, for very popular subjects. For less popular subjects, the number of facts can be very low, like 5 or 10. # Requirements - If you don't know the subject at all, return an empty list. - If the subject is not a named entity, return an empty list. - Include at least one triple where predicate is "instanceOf". - Do not get too wordy. - Separate several objects into multiple triples with one object.
Input
Subject: Regulation Q Description of subject: Regulation Q was a former Federal Reserve regulation that prohibited banks from paying interest on demand deposits and capped interest rates on other deposit accounts, significantly shaping U.S. banking practices until its repeal.
Referenced by (5)
Full triples — surface form annotated when it differs from this entity's canonical label.
linked to: Regulation Q
subject linked to:
Negotiable Order of Withdrawal accounts
linked to: Regulation Q