Truth in Savings Act
E479388
The Truth in Savings Act is a U.S. federal consumer protection law that requires financial institutions to clearly disclose the terms, fees, and interest rates of deposit accounts so consumers can compare savings products.
All labels observed (2)
| Label | Occurrences |
|---|---|
| Truth in Savings Act canonical | 5 |
| NCUA Truth in Savings regulation (12 CFR Part 707) | 1 |
How this entity was disambiguated
This entity first appeared as the object of triple T4894194 — 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: Truth in Savings Act Context triple: [U.S. credit unions, consumerProtectionLawCoverage, Truth in Savings Act]
-
A.
Truth in Lending Act
The Truth in Lending Act is a U.S. federal law that requires lenders to clearly disclose key terms and costs of consumer credit to promote informed borrowing and protect consumers from unfair lending practices.
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B.
Gramm-Leach-Bliley Act of 1999
The Gramm-Leach-Bliley Act of 1999 is a U.S. federal law that overhauled financial regulation by repealing key parts of Glass-Steagall, allowing the consolidation of commercial banking, investment banking, and insurance services while imposing new consumer privacy and data protection requirements.
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C.
Regulation CC
Regulation CC is a U.S. Federal Reserve regulation that governs the availability of funds and the collection and return of checks in the banking system.
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D.
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.
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E.
Credit CARD Act of 2009
The Credit CARD Act of 2009 is a U.S. federal law that established significant consumer protections and restrictions on unfair or deceptive credit card industry practices.
- 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: Truth in Savings Act Target entity description: The Truth in Savings Act is a U.S. federal consumer protection law that requires financial institutions to clearly disclose the terms, fees, and interest rates of deposit accounts so consumers can compare savings products.
-
A.
Truth in Lending Act
The Truth in Lending Act is a U.S. federal law that requires lenders to clearly disclose key terms and costs of consumer credit to promote informed borrowing and protect consumers from unfair lending practices.
-
B.
Gramm-Leach-Bliley Act of 1999
The Gramm-Leach-Bliley Act of 1999 is a U.S. federal law that overhauled financial regulation by repealing key parts of Glass-Steagall, allowing the consolidation of commercial banking, investment banking, and insurance services while imposing new consumer privacy and data protection requirements.
-
C.
Regulation CC
Regulation CC is a U.S. Federal Reserve regulation that governs the availability of funds and the collection and return of checks in the banking system.
-
D.
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.
-
E.
Credit CARD Act of 2009
The Credit CARD Act of 2009 is a U.S. federal law that established significant consumer protections and restrictions on unfair or deceptive credit card industry practices.
- F. None of above. chosen
Statements (46)
| Predicate | Object |
|---|---|
| instanceOf |
United States federal law
ⓘ
banking regulation ⓘ consumer protection law ⓘ |
| aimsTo |
enable consumers to compare deposit accounts
ⓘ
prevent misleading disclosures about deposit accounts ⓘ promote informed consumer decision-making ⓘ |
| appliesTo |
banks
ⓘ
credit unions ⓘ deposit accounts ⓘ depository institutions ⓘ savings associations ⓘ |
| country |
United States
ⓘ
linked to:
United States of America
|
| covers |
certificate of deposit accounts
ⓘ
checking accounts ⓘ money market deposit accounts ⓘ savings accounts ⓘ time deposits ⓘ |
| enforcedBy |
Consumer Financial Protection Bureau
ⓘ
federal banking agencies ⓘ |
| hasEffect |
facilitates comparison shopping for deposit accounts
ⓘ
improves transparency of savings products ⓘ |
| hasPurpose | to ensure clear and uniform disclosure of deposit account terms ⓘ |
| implementedBy | Regulation DD ⓘ |
| jurisdiction |
United States
ⓘ
linked to:
United States of America
|
| objective | to standardize how deposit account yields are calculated and disclosed ⓘ |
| protects |
bank consumers
ⓘ
credit union members ⓘ |
| regulates |
advertising of deposit accounts
ⓘ
disclosure of fees on deposit accounts ⓘ disclosure of interest rates on deposit accounts ⓘ disclosure of terms for deposit accounts ⓘ |
| relatedTo |
Electronic Fund Transfer Act
ⓘ
Truth in Lending Act ⓘ |
| requires |
clear disclosure of penalties for early withdrawal on time accounts
ⓘ
disclosure of bonus terms on deposit accounts ⓘ disclosure of compounding and crediting policies ⓘ disclosure of fees that may reduce earnings ⓘ disclosure of minimum balance requirements ⓘ notice of changes in account terms in certain circumstances ⓘ standardized disclosure of annual percentage yield ⓘ standardized disclosure of interest rate ⓘ |
| sector | financial services ⓘ |
| subjectOf | Regulation DD disclosure rules ⓘ |
| typeOfDisclosure |
advertising disclosures
ⓘ
periodic statement disclosures ⓘ pre-account-opening disclosures ⓘ |
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: Truth in Savings Act Description of subject: The Truth in Savings Act is a U.S. federal consumer protection law that requires financial institutions to clearly disclose the terms, fees, and interest rates of deposit accounts so consumers can compare savings products.
Referenced by (6)
Full triples — surface form annotated when it differs from this entity's canonical label.
linked to: Truth in Savings Act