Credit CARD Act of 2009
E335787
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.
All labels observed (5)
| Label | Occurrences |
|---|---|
| Credit CARD Act of 2009 canonical | 2 |
| CARD Act | 1 |
| Credit CARD Act | 1 |
| Credit Card Accountability Responsibility and Disclosure Act of 2009 | 1 |
| Fair Credit and Charge Card Disclosure Act | 1 |
How this entity was disambiguated
This entity first appeared as the object of triple T3206369 — 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: Credit CARD Act of 2009 Context triple: [111th United States Congress, passes, Credit CARD Act of 2009]
-
A.
National Consumer Credit Protection Act 2009
The National Consumer Credit Protection Act 2009 is an Australian federal law that regulates consumer credit and lending practices, establishing licensing, responsible lending obligations, and consumer protections overseen by the Australian Securities and Investments Commission.
-
B.
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.
-
C.
Consumer Credit Protection Act
The Consumer Credit Protection Act is a landmark U.S. federal law that regulates consumer credit practices, safeguards borrowers from unfair or abusive lending, and mandates clear disclosure of credit terms.
-
D.
Debt Collection Improvement Act of 1996
The Debt Collection Improvement Act of 1996 is a U.S. federal law that strengthened the government’s ability to collect delinquent non-tax debts by standardizing collection practices, expanding administrative offset, and promoting the use of centralized debt management systems.
-
E.
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.
- 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: Credit CARD Act of 2009 Target entity description: 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.
-
A.
National Consumer Credit Protection Act 2009
The National Consumer Credit Protection Act 2009 is an Australian federal law that regulates consumer credit and lending practices, establishing licensing, responsible lending obligations, and consumer protections overseen by the Australian Securities and Investments Commission.
-
B.
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.
-
C.
Consumer Credit Protection Act
The Consumer Credit Protection Act is a landmark U.S. federal law that regulates consumer credit practices, safeguards borrowers from unfair or abusive lending, and mandates clear disclosure of credit terms.
-
D.
Debt Collection Improvement Act of 1996
The Debt Collection Improvement Act of 1996 is a U.S. federal law that strengthened the government’s ability to collect delinquent non-tax debts by standardizing collection practices, expanding administrative offset, and promoting the use of centralized debt management systems.
-
E.
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.
- F. None of above. chosen
Statements (48)
| Predicate | Object |
|---|---|
| instanceOf |
United States federal statute
ⓘ
consumer protection law ⓘ |
| acronym |
CARD Act
ⓘ
linked to:
Credit CARD Act of 2009
|
| alsoKnownAs |
Credit Card Accountability Responsibility and Disclosure Act of 2009
ⓘ
linked to:
Credit CARD Act of 2009
|
| amends | Truth in Lending Act ⓘ |
| appliesTo | open-end consumer credit plans other than home-secured loans ⓘ |
| codifiedIn | Title 15 of the United States Code ⓘ |
| containsProvision |
enhanced disclosures for promotional rates
ⓘ
gift card fee and expiration date restrictions ⓘ limits on fees and penalty charges ⓘ protections for young consumers and college students ⓘ requirements for reasonableness and proportionality of penalty fees ⓘ rules for allocation of excess payments ⓘ |
| country |
United States
ⓘ
linked to:
United States of America
|
| enactedBy | 111th United States Congress ⓘ |
| housePassageDate | 2009-04-30 ⓘ |
| implementedBy |
Consumer Financial Protection Bureau regulations
ⓘ
Federal Reserve Board regulations ⓘ |
| jurisdiction |
United States federal government
ⓘ
linked to:
United States government
|
| legalArea |
consumer protection
ⓘ
financial regulation ⓘ |
| primarySubject |
consumer credit
ⓘ
credit cards ⓘ |
| protects | consumer credit card holders ⓘ |
| publicLawNumber | Public Law 111-24 ⓘ |
| purpose |
to establish fair and transparent practices for open-end consumer credit plans
ⓘ
to protect consumers from unfair or deceptive credit card practices ⓘ |
| regulates |
credit card issuers
ⓘ
open-end consumer credit plans ⓘ |
| requires |
advance notice of interest rate increases
ⓘ
advance notice of significant changes in credit card terms ⓘ clear disclosure of credit card terms ⓘ periodic statements to be mailed or delivered at least 21 days before the payment due date ⓘ |
| restricts |
double-cycle billing
ⓘ
interest rate increases on existing balances ⓘ issuance of credit cards to consumers under age 21 ⓘ over-the-limit fees without consumer consent ⓘ retroactive interest rate increases ⓘ universal default practices ⓘ |
| sectionFocus |
Title I Consumer Protection
ⓘ
Title II Enhanced Consumer Disclosures ⓘ Title III Protection of Young Consumers ⓘ |
| senatePassageDate | 2009-05-19 ⓘ |
| shortName |
Credit CARD Act
ⓘ
linked to:
Credit CARD Act of 2009
|
| signedBy | Barack Obama ⓘ |
| signingDate | 2009-05-22 ⓘ |
| sponsor |
Carl Levin
ⓘ
Christopher J. Dodd ⓘ
linked to:
Christopher Dodd
|
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: Credit CARD Act of 2009 Description of subject: 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.
Referenced by (6)
Full triples — surface form annotated when it differs from this entity's canonical label.
linked to: Credit CARD Act of 2009
linked to: Credit CARD Act of 2009
Credit CARD Act of 2009
→
alsoKnownAs
→
Credit Card Accountability Responsibility and Disclosure Act of 2009
ⓘ
linked to: Credit CARD Act of 2009
linked to: Credit CARD Act of 2009