Regulation B
E1039777
Regulation B is a U.S. federal regulation issued by the Federal Reserve and CFPB that prohibits discrimination in any aspect of a credit transaction and sets rules for how creditors must handle credit applications and adverse action notices.
All labels observed (1)
| Label | Occurrences |
|---|---|
| Regulation B canonical | 1 |
How this entity was disambiguated
This entity first appeared as the object of triple T13399388 — 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 B Context triple: [ECOA, implementedByRegulation, Regulation B]
-
A.
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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B.
Regulation E
Regulation E is a U.S. Federal Reserve rule that protects consumers in electronic fund transfers, including ATM, debit card, and online banking transactions.
-
C.
Truth in Savings Act
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.
-
D.
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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E.
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.
- 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 B Target entity description: Regulation B is a U.S. federal regulation issued by the Federal Reserve and CFPB that prohibits discrimination in any aspect of a credit transaction and sets rules for how creditors must handle credit applications and adverse action notices.
-
A.
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.
-
B.
Regulation E
Regulation E is a U.S. Federal Reserve rule that protects consumers in electronic fund transfers, including ATM, debit card, and online banking transactions.
-
C.
Truth in Savings Act
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.
-
D.
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.
-
E.
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.
- F. None of above. chosen
Statements (53)
| Predicate | Object |
|---|---|
| instanceOf |
United States federal regulation
ⓘ
anti-discrimination regulation ⓘ consumer protection regulation ⓘ |
| allows | special purpose credit programs under specified conditions ⓘ |
| appliesTo |
auto lenders
ⓘ
banks ⓘ both consumer and commercial credit applicants ⓘ credit card issuers ⓘ credit unions ⓘ creditors ⓘ finance companies ⓘ mortgage lenders ⓘ retailers that extend credit ⓘ small business lenders ⓘ |
| codifiedIn | 12 CFR Part 1002 ⓘ |
| covers |
any aspect of a credit transaction
ⓘ
credit advertising ⓘ credit scoring systems ⓘ credit terms and conditions ⓘ |
| enforcedBy |
Consumer Financial Protection Bureau
NERFINISHED
ⓘ
Federal Trade Commission NERFINISHED ⓘ federal prudential banking regulators ⓘ |
| fullName | Regulation B – Equal Credit Opportunity NERFINISHED ⓘ |
| goal |
to ensure equal access to credit
ⓘ
to prevent discriminatory lending practices ⓘ |
| implements | Equal Credit Opportunity Act NERFINISHED ⓘ |
| jurisdiction |
United States of America
ⓘ
surface form:
United States
|
| legalBasis | Equal Credit Opportunity Act (ECOA) NERFINISHED ⓘ |
| previousCitation | 12 CFR Part 202 ⓘ |
| prohibits | discrimination in any aspect of a credit transaction ⓘ |
| prohibitsDiscriminationOnBasisOf |
age
ⓘ
color ⓘ good faith exercise of rights under the Consumer Credit Protection Act ⓘ marital status ⓘ national origin ⓘ race ⓘ receipt of income from a public assistance program ⓘ religion ⓘ sex ⓘ |
| regulator |
Board of Governors of the Federal Reserve System
NERFINISHED
ⓘ
Consumer Financial Protection Bureau NERFINISHED ⓘ |
| requires |
creditors to notify applicants of action taken on a credit application
ⓘ
creditors to provide adverse action notices ⓘ creditors to provide reasons for adverse action ⓘ evaluation of credit applications without discrimination ⓘ notice of incomplete applications in certain circumstances ⓘ retention of credit application records ⓘ special purpose credit program documentation ⓘ |
| subjectMatter |
adverse action notices
ⓘ
business credit ⓘ consumer credit ⓘ credit applications ⓘ credit discrimination ⓘ |
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 B Description of subject: Regulation B is a U.S. federal regulation issued by the Federal Reserve and CFPB that prohibits discrimination in any aspect of a credit transaction and sets rules for how creditors must handle credit applications and adverse action notices.
Referenced by (1)
Full triples — surface form annotated when it differs from this entity's canonical label.