Military Lending Act
E641685
The Military Lending Act is a U.S. federal law that provides special consumer credit protections and interest rate caps for active-duty servicemembers and their dependents.
All labels observed (1)
| Label | Occurrences |
|---|---|
| Military Lending Act canonical | 1 |
How this entity was disambiguated
This entity first appeared as the object of triple T7111661 — 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: Military Lending Act Context triple: [Servicemembers Civil Relief Act, relatedTo, Military Lending Act]
-
A.
Servicemembers Civil Relief Act
The Servicemembers Civil Relief Act is a U.S. federal law that provides legal and financial protections to active-duty military personnel, particularly in areas such as housing, loans, and civil judicial proceedings.
-
B.
Federal Home Loan Mortgage Corporation Act
The Federal Home Loan Mortgage Corporation Act is the U.S. federal law that established and governs Freddie Mac, a government-sponsored enterprise created to support liquidity and stability in the residential mortgage market.
-
C.
Esch–Cummins Act
The Esch–Cummins Act was a 1920 U.S. federal law that returned railroads from government control to private operation while strengthening federal regulation and promoting industry consolidation.
-
D.
Defense Production Act of 1950
The Defense Production Act of 1950 is a U.S. federal law that grants the president broad authority to direct industrial production and prioritize contracts for national defense and emergency preparedness.
-
E.
Federal Home Loan Bank Act
The Federal Home Loan Bank Act is a 1932 U.S. law that created a system of regional Federal Home Loan Banks to stabilize the mortgage market and support home financing during the Great Depression.
- 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: Military Lending Act Target entity description: The Military Lending Act is a U.S. federal law that provides special consumer credit protections and interest rate caps for active-duty servicemembers and their dependents.
-
A.
Servicemembers Civil Relief Act
The Servicemembers Civil Relief Act is a U.S. federal law that provides legal and financial protections to active-duty military personnel, particularly in areas such as housing, loans, and civil judicial proceedings.
-
B.
Federal Home Loan Mortgage Corporation Act
The Federal Home Loan Mortgage Corporation Act is the U.S. federal law that established and governs Freddie Mac, a government-sponsored enterprise created to support liquidity and stability in the residential mortgage market.
-
C.
Esch–Cummins Act
The Esch–Cummins Act was a 1920 U.S. federal law that returned railroads from government control to private operation while strengthening federal regulation and promoting industry consolidation.
-
D.
Defense Production Act of 1950
The Defense Production Act of 1950 is a U.S. federal law that grants the president broad authority to direct industrial production and prioritize contracts for national defense and emergency preparedness.
-
E.
Federal Home Loan Bank Act
The Federal Home Loan Bank Act is a 1932 U.S. law that created a system of regional Federal Home Loan Banks to stabilize the mortgage market and support home financing during the Great Depression.
- F. None of above. chosen
Statements (48)
| Predicate | Object |
|---|---|
| instanceOf |
United States federal law
ⓘ
consumer protection law ⓘ |
| abbreviation | MLA ⓘ |
| aimsTo | maintain military readiness by reducing financial stress on servicemembers ⓘ |
| appliesTo |
active-duty servicemembers
ⓘ
covered dependents of servicemembers ⓘ members of the armed forces on active duty ⓘ |
| caps | Military Annual Percentage Rate at 36 percent ⓘ |
| country |
United States
ⓘ
linked to:
United States of America
|
| covers |
certain credit card accounts for covered borrowers
ⓘ
certain installment loans to covered borrowers ⓘ certain payday loans to covered borrowers ⓘ certain refund anticipation loans to covered borrowers ⓘ certain vehicle title loans to covered borrowers ⓘ |
| defines | covered borrower status for servicemembers and dependents ⓘ |
| enforcedBy |
Consumer Financial Protection Bureau
ⓘ
Federal Trade Commission ⓘ U.S. Department of Defense ⓘ
linked to:
Department of Defense
federal financial regulators ⓘ |
| implementedBy | U.S. Department of Defense regulations ⓘ |
| imposes | 36 percent Military Annual Percentage Rate cap ⓘ |
| jurisdiction |
United States
ⓘ
linked to:
United States of America
|
| legalEffect | noncompliant contracts are void from inception ⓘ |
| MAPRIncludes |
add-on product costs
ⓘ
certain fees ⓘ |
| MAPRIncludes | credit insurance premiums ⓘ |
| MAPRIncludes | interest ⓘ |
| prohibits |
prepayment penalties on covered loans
ⓘ
requiring arbitration agreements for covered credit ⓘ rollovers and renewals that evade the law ⓘ using a check or access to a bank account as security in certain covered loans ⓘ |
| protects |
covered borrowers from certain abusive credit terms
ⓘ
covered borrowers from excessive interest rates ⓘ |
| provides |
civil remedies for violations
ⓘ
criminal penalties for knowing violations ⓘ |
| purpose |
to limit the cost of consumer credit to covered borrowers
ⓘ
to prevent predatory lending practices targeting servicemembers ⓘ to provide consumer credit protections to covered servicemembers and their dependents ⓘ |
| regulates |
consumer credit extended to covered borrowers
ⓘ
terms of certain high-cost credit products ⓘ |
| relatedTo | Servicemembers Civil Relief Act ⓘ |
| requires |
creditors to verify military status of borrowers
ⓘ
written and oral disclosures of MAPR and payment obligations ⓘ |
| sector | financial services regulation ⓘ |
| subjectOf |
Department of Defense implementing regulations
ⓘ
linked to:
Department of Defense directives
enforcement actions against noncompliant lenders ⓘ guidance by the Consumer Financial Protection Bureau ⓘ |
| typeOfRate | Military Annual Percentage Rate ⓘ |
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: Military Lending Act Description of subject: The Military Lending Act is a U.S. federal law that provides special consumer credit protections and interest rate caps for active-duty servicemembers and their dependents.
Referenced by (1)
Full triples — surface form annotated when it differs from this entity's canonical label.