Garn–St Germain Depository Institutions Act of 1982
E481389
The Garn–St Germain Depository Institutions Act of 1982 was a major U.S. banking deregulation law that expanded the powers of depository institutions and loosened restrictions on interest rates and mortgage lending.
All labels observed (3)
| Label | Occurrences |
|---|---|
| Garn–St Germain Depository Institutions Act of 1982 canonical | 3 |
| Garn–St. Germain Depository Institutions Act of 1982 | 2 |
| Garn–St Germain Act | 1 |
How this entity was disambiguated
This entity first appeared as the object of triple T4893989 — 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: Garn–St Germain Depository Institutions Act of 1982 Context triple: [Regulation Q, phasedOutBy, Garn–St Germain Depository Institutions Act of 1982]
-
A.
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 is a U.S. federal law that deregulated interstate banking by allowing bank holding companies and banks to expand and operate branches across state lines, reshaping the national banking landscape.
-
B.
Financial Institutions Reform, Recovery, and Enforcement Act of 1989
The Financial Institutions Reform, Recovery, and Enforcement Act of 1989 is a U.S. federal law enacted in response to the savings and loan crisis, overhauling the regulation of thrift institutions, strengthening enforcement powers, and restructuring federal deposit insurance.
-
C.
Depository Institutions Deregulation and Monetary Control Act
The Depository Institutions Deregulation and Monetary Control Act is a 1980 U.S. federal law that phased out interest rate ceilings on deposits, expanded Federal Reserve authority over depository institutions, and significantly reshaped the American banking and thrift industries.
-
D.
Federal Financial Institutions Examination Council Act of 1978
The Federal Financial Institutions Examination Council Act of 1978 is a U.S. federal law that created a formal interagency body to standardize and coordinate the supervision and examination of financial institutions.
-
E.
Federal Deposit Insurance Corporation Improvement Act of 1991
The Federal Deposit Insurance Corporation Improvement Act of 1991 is a U.S. banking law enacted in response to the savings and loan crisis that strengthened federal bank supervision, imposed prompt corrective action for troubled institutions, and enhanced the safety and soundness of the deposit insurance system.
- 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: Garn–St Germain Depository Institutions Act of 1982 Target entity description: The Garn–St Germain Depository Institutions Act of 1982 was a major U.S. banking deregulation law that expanded the powers of depository institutions and loosened restrictions on interest rates and mortgage lending.
-
A.
Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994
The Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 is a U.S. federal law that deregulated interstate banking by allowing bank holding companies and banks to expand and operate branches across state lines, reshaping the national banking landscape.
-
B.
Financial Institutions Reform, Recovery, and Enforcement Act of 1989
The Financial Institutions Reform, Recovery, and Enforcement Act of 1989 is a U.S. federal law enacted in response to the savings and loan crisis, overhauling the regulation of thrift institutions, strengthening enforcement powers, and restructuring federal deposit insurance.
-
C.
Depository Institutions Deregulation and Monetary Control Act
The Depository Institutions Deregulation and Monetary Control Act is a 1980 U.S. federal law that phased out interest rate ceilings on deposits, expanded Federal Reserve authority over depository institutions, and significantly reshaped the American banking and thrift industries.
-
D.
Federal Financial Institutions Examination Council Act of 1978
The Federal Financial Institutions Examination Council Act of 1978 is a U.S. federal law that created a formal interagency body to standardize and coordinate the supervision and examination of financial institutions.
-
E.
Federal Deposit Insurance Corporation Improvement Act of 1991
The Federal Deposit Insurance Corporation Improvement Act of 1991 is a U.S. banking law enacted in response to the savings and loan crisis that strengthened federal bank supervision, imposed prompt corrective action for troubled institutions, and enhanced the safety and soundness of the deposit insurance system.
- F. None of above. chosen
Statements (48)
| Predicate | Object |
|---|---|
| instanceOf |
United States federal statute
ⓘ
banking deregulation law ⓘ |
| administeredBy |
Federal Deposit Insurance Corporation
ⓘ
Federal Home Loan Bank Board ⓘ National Credit Union Administration ⓘ Office of the Comptroller of the Currency ⓘ |
| amends |
Federal Deposit Insurance Act
ⓘ
Federal Home Loan Bank Act ⓘ Home Owners’ Loan Act ⓘ
linked to:
Home Owners' Loan Act of 1933
National Housing Act ⓘ
linked to:
National Housing Act of 1934
|
| containsProvision |
authorization of money market deposit accounts
ⓘ
creation of Net Worth Certificate program for troubled institutions ⓘ preemption of certain state due-on-sale restrictions on mortgages ⓘ |
| country |
United States
ⓘ
linked to:
United States of America
|
| dateSigned | 1982-10-15 ⓘ |
| effect |
allowed adjustable-rate mortgages for federally related mortgage loans
ⓘ
contributed to risk-taking by savings and loan institutions ⓘ expanded lending powers of thrift institutions ⓘ increased competition among depository institutions ⓘ reduced restrictions on commercial lending by thrifts ⓘ |
| enactedBy | 97th United States Congress ⓘ |
| fullTitle | Garn–St Germain Depository Institutions Act of 1982 ⓘ |
| historicalContext | part of U.S. financial deregulation in the late 1970s and early 1980s ⓘ |
| jurisdiction |
United States federal government
ⓘ
linked to:
United States government
|
| namedAfter |
Fernand St. Germain
ⓘ
Jake Garn ⓘ |
| primarySponsor |
Fernand St. Germain
ⓘ
Jake Garn ⓘ |
| publicLawNumber | Public Law 97-320 ⓘ |
| purpose |
to deregulate savings and loan associations
ⓘ
to expand the powers of depository institutions ⓘ to loosen restrictions on mortgage lending ⓘ to phase out interest rate ceilings on deposit accounts ⓘ to provide emergency assistance to troubled depository institutions ⓘ |
| regulates |
credit unions
ⓘ
federally insured banks ⓘ savings and loan associations ⓘ savings banks ⓘ |
| relatedTo |
Depository Institutions Deregulation and Monetary Control Act of 1980
ⓘ
Savings and loan crisis ⓘ |
| shortTitle | Garn–St Germain Act ⓘ |
| signedBy | Ronald Reagan ⓘ |
| subjectMatter |
banking regulation
ⓘ
depository institutions ⓘ interest rate deregulation ⓘ mortgage lending ⓘ savings and loan associations ⓘ |
| yearEnacted | 1982 ⓘ |
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: Garn–St Germain Depository Institutions Act of 1982 Description of subject: The Garn–St Germain Depository Institutions Act of 1982 was a major U.S. banking deregulation law that expanded the powers of depository institutions and loosened restrictions on interest rates and mortgage lending.
Referenced by (6)
Full triples — surface form annotated when it differs from this entity's canonical label.
Depository Institutions Deregulation and Monetary Control Act
→
isRelatedTo
→
Garn–St Germain Depository Institutions Act of 1982
ⓘ
savings and loan crisis of the 1980s
→
relatedLegislation
→
Garn–St. Germain Depository Institutions Act of 1982
ⓘ
linked to: Garn–St Germain Depository Institutions Act of 1982
Garn–St Germain Depository Institutions Act of 1982
→
fullTitle
→
Garn–St Germain Depository Institutions Act of 1982
ⓘ
linked to: Garn–St Germain Depository Institutions Act of 1982