Regulation X
E112710
Regulation X is a Federal Reserve Board regulation that primarily governs real estate-secured consumer credit, including residential mortgage lending practices in the United States.
All labels observed (1)
| Label | Occurrences |
|---|---|
| Regulation X canonical | 5 |
How this entity was disambiguated
This entity first appeared as the object of triple T955229 — 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 X Context triple: [Regulation T, relatedTo, Regulation X]
-
A.
Regulation D
Regulation D is a Federal Reserve Board rule that governs reserve requirements for depository institutions and defines certain types of bank accounts and transaction limits in the U.S. banking system.
-
B.
Regulation D
Regulation D is a set of SEC rules that provides exemptions from the registration requirements for certain private offerings of securities in the United States.
-
C.
Regulation J
Regulation J is a Federal Reserve regulation that governs the collection of checks and other cash items and the handling of wire transfers through the Federal Reserve Banks.
-
D.
Regulation A
Regulation A is a U.S. securities offering exemption that allows smaller companies to raise limited amounts of capital from the public with simplified registration and reporting requirements compared to a full SEC-registered offering.
-
E.
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.
- 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 X Target entity description: Regulation X is a Federal Reserve Board regulation that primarily governs real estate-secured consumer credit, including residential mortgage lending practices in the United States.
-
A.
Regulation D
Regulation D is a set of SEC rules that provides exemptions from the registration requirements for certain private offerings of securities in the United States.
-
B.
Regulation D
Regulation D is a Federal Reserve Board rule that governs reserve requirements for depository institutions and defines certain types of bank accounts and transaction limits in the U.S. banking system.
-
C.
Regulation J
Regulation J is a Federal Reserve regulation that governs the collection of checks and other cash items and the handling of wire transfers through the Federal Reserve Banks.
-
D.
Regulation A
Regulation A is a U.S. securities offering exemption that allows smaller companies to raise limited amounts of capital from the public with simplified registration and reporting requirements compared to a full SEC-registered offering.
-
E.
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.
- F. None of above. chosen
Statements (48)
| Predicate | Object |
|---|---|
| instanceOf |
United States federal regulation
ⓘ
consumer protection regulation ⓘ mortgage lending regulation ⓘ |
| administeredBy | Consumer Financial Protection Bureau ⓘ |
| aimsToProtect | consumers obtaining federally related mortgage loans ⓘ |
| alsoKnownAs | RESPA implementing regulation ⓘ |
| appliesInJurisdiction |
United States of America
ⓘ
surface form:
United States
|
| appliesTo |
mortgage brokers
ⓘ
mortgage lenders ⓘ mortgage servicers ⓘ settlement service providers ⓘ |
| category |
United States banking regulation
ⓘ
United States consumer protection law ⓘ United States mortgage regulation ⓘ |
| codifiedAt | 12 CFR Part 1024 ⓘ |
| effectiveFrom | 1974 ⓘ |
| enforcedBy |
Consumer Financial Protection Bureau
ⓘ
federal banking regulators ⓘ state regulators in certain circumstances ⓘ |
| governs |
continuity of contact with delinquent borrowers
ⓘ
early intervention with delinquent borrowers ⓘ error resolution procedures for mortgage servicers ⓘ escrow account administration ⓘ force-placed insurance practices ⓘ loss mitigation procedures ⓘ mortgage servicing practices ⓘ |
| implements | Real Estate Settlement Procedures Act ⓘ |
| legalBasis |
Real Estate Settlement Procedures Act
ⓘ
surface form:
Real Estate Settlement Procedures Act of 1974
|
| previousCFRCitation | 24 CFR Part 3500 ⓘ |
| previouslyAdministeredBy |
Federal Reserve Board of Governors
ⓘ
surface form:
Board of Governors of the Federal Reserve System
|
| prohibits |
certain dual tracking practices in loss mitigation
ⓘ
kickbacks in connection with real estate settlement services ⓘ unearned fees in connection with real estate settlement services ⓘ |
| provides | private right of action for certain violations ⓘ |
| purpose |
to establish national standards for mortgage servicing
ⓘ
to protect consumers from unnecessarily high settlement charges ⓘ to provide consumers with greater and more timely information on the nature and costs of the settlement process ⓘ |
| regulates |
real estate-secured consumer credit
ⓘ
residential mortgage lending practices ⓘ |
| relatedTo |
Real Estate Settlement Procedures Act
ⓘ
Regulation Z ⓘ Truth in Lending Act ⓘ |
| requires |
disclosures relating to real estate settlement services
ⓘ
periodic escrow account statements ⓘ servicing transfer notices ⓘ |
| scopeIncludes | federally related mortgage loans ⓘ |
| significantlyAmendedBy |
Dodd–Frank Wall Street Reform and Consumer Protection Act
ⓘ
surface form:
Dodd-Frank Wall Street Reform and Consumer Protection Act
|
| significantlyAmendedEffective | January 2014 ⓘ |
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 X Description of subject: Regulation X is a Federal Reserve Board regulation that primarily governs real estate-secured consumer credit, including residential mortgage lending practices in the United States.
Referenced by (5)
Full triples — surface form annotated when it differs from this entity's canonical label.