Regulation DD
E479385
Regulation DD is a U.S. federal regulation issued by the Federal Reserve under the Truth in Savings Act that requires depository institutions to provide clear and uniform information about interest rates and fees on deposit accounts.
All labels observed (1)
| Label | Occurrences |
|---|---|
| Regulation DD canonical | 1 |
How this entity was disambiguated
This entity first appeared as the object of triple T4893994 — 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 DD Context triple: [Regulation Q, relatedTo, Regulation DD]
-
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.
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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 U
Regulation U is a U.S. Federal Reserve regulation that governs the amount of credit banks and other lenders may extend for the purpose of buying or carrying margin stock, helping to control the use of leverage in securities markets.
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D.
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.
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E.
Regulation G
Regulation G was a former Federal Reserve Board regulation that governed the extension of credit by lenders other than banks and brokers for the purpose of purchasing or carrying securities, complementing margin rules like Regulation T.
- 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 DD Target entity description: Regulation DD is a U.S. federal regulation issued by the Federal Reserve under the Truth in Savings Act that requires depository institutions to provide clear and uniform information about interest rates and fees on deposit accounts.
-
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 U
Regulation U is a U.S. Federal Reserve regulation that governs the amount of credit banks and other lenders may extend for the purpose of buying or carrying margin stock, helping to control the use of leverage in securities markets.
-
D.
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.
-
E.
Regulation G
Regulation G was a former Federal Reserve Board regulation that governed the extension of credit by lenders other than banks and brokers for the purpose of purchasing or carrying securities, complementing margin rules like Regulation T.
- F. None of above. chosen
Statements (49)
| Predicate | Object |
|---|---|
| instanceOf |
U.S. federal regulation
ⓘ
banking regulation ⓘ consumer protection regulation ⓘ |
| administeredBy | Consumer Financial Protection Bureau (Regulation DD, 12 CFR Part 1030, for CFPB-regulated entities) NERFINISHED ⓘ |
| appliesTo |
consumer deposit accounts
ⓘ
credit unions (via NCUA implementing rules) ⓘ depository institutions ⓘ |
| appliesToProduct |
checking accounts
ⓘ
money market deposit accounts ⓘ savings accounts ⓘ time deposits (certificates of deposit) ⓘ |
| basedOn | Truth in Savings Act NERFINISHED ⓘ |
| codifiedAt | 12 CFR Part 230 ⓘ |
| contains |
rules for calculating annual percentage yield (APY)
ⓘ
rules for calculating annual percentage yield earned (APYE) ⓘ |
| doesNotApplyTo | business-purpose deposit accounts ⓘ |
| effectiveFrom | June 21, 1993 ⓘ |
| enforcedBy |
Consumer Financial Protection Bureau (for most institutions)
NERFINISHED
ⓘ
Federal Reserve Board (historically) NERFINISHED ⓘ |
| fullName | Regulation DD – Truth in Savings NERFINISHED ⓘ |
| issuedBy | Board of Governors of the Federal Reserve System NERFINISHED ⓘ |
| jurisdiction |
United States of America
ⓘ
surface form:
United States
|
| legalArea |
banking law
ⓘ
consumer financial protection ⓘ |
| objective |
to enable consumers to make informed decisions about deposit accounts
ⓘ
to promote competition among depository institutions ⓘ |
| primaryPurpose |
to implement the Truth in Savings Act
ⓘ
to require clear and uniform disclosure of deposit account terms ⓘ |
| regulates |
advertised annual percentage yield (APY)
ⓘ
advertising of deposit accounts ⓘ use of terms such as “free” in deposit account advertising ⓘ |
| relatedTo |
Consumer Financial Protection Act of 2010
NERFINISHED
ⓘ
NCUA Truth in Savings regulation (12 CFR Part 707) NERFINISHED ⓘ Truth in Savings Act NERFINISHED ⓘ |
| requires |
disclosure of account terms before account opening
ⓘ
disclosure of changes in account terms ⓘ disclosure of fees imposed during the statement period ⓘ disclosure of interest earned during the statement period ⓘ periodic statement disclosures ⓘ retention of evidence of compliance ⓘ standardized format for deposit account disclosures ⓘ |
| requiresDisclosureOf |
annual percentage yield (APY)
ⓘ
bonus or promotional terms ⓘ compounding and crediting policies ⓘ fees on deposit accounts ⓘ interest rates on deposit accounts ⓘ method of interest calculation ⓘ minimum balance requirements ⓘ transaction limitations ⓘ |
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 DD Description of subject: Regulation DD is a U.S. federal regulation issued by the Federal Reserve under the Truth in Savings Act that requires depository institutions to provide clear and uniform information about interest rates and fees on deposit accounts.
Referenced by (1)
Full triples — surface form annotated when it differs from this entity's canonical label.