TILA
E482928
TILA 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.
All labels observed (1)
| Label | Occurrences |
|---|---|
| TILA canonical | 3 |
How this entity was disambiguated
This entity first appeared as the object of triple T4968530 — 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: TILA Context triple: [Truth in Lending Act, shortName, TILA]
-
A.
Tilakkam
Tilakkam is a small island that forms part of the Kalpeni atoll in the Lakshadweep archipelago of India.
-
B.
Tilpa
Tilpa is a tiny, remote village on the Darling River in outback New South Wales, Australia, known for its historic pub and role as a stopover for travelers and river communities.
-
C.
Tiltil
Tiltil is a small town and commune in central Chile known for its rural character and historical significance within the Santiago Metropolitan Region.
-
D.
Tilba Tilba
Tilba Tilba is a small historic village in southeastern New South Wales, Australia, known for its well-preserved 19th-century buildings and scenic rural surroundings.
-
E.
Tilok
Tilok is a variant spelling of the Indian given name "Tilak," commonly used in South Asian cultures.
- 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: TILA Target entity description: TILA 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.
-
A.
Tilakkam
Tilakkam is a small island that forms part of the Kalpeni atoll in the Lakshadweep archipelago of India.
-
B.
Tilpa
Tilpa is a tiny, remote village on the Darling River in outback New South Wales, Australia, known for its historic pub and role as a stopover for travelers and river communities.
-
C.
Tiltil
Tiltil is a small town and commune in central Chile known for its rural character and historical significance within the Santiago Metropolitan Region.
-
D.
Tilba Tilba
Tilba Tilba is a small historic village in southeastern New South Wales, Australia, known for its well-preserved 19th-century buildings and scenic rural surroundings.
-
E.
Tilok
Tilok is a variant spelling of the Indian given name "Tilak," commonly used in South Asian cultures.
- F. None of above. chosen
Statements (49)
| Predicate | Object |
|---|---|
| instanceOf | United States federal law ⓘ |
| addresses |
predatory lending concerns
ⓘ
unfair lending practices ⓘ |
| allows | statutory damages for certain violations ⓘ |
| amendedBy |
Dodd–Frank Wall Street Reform and Consumer Protection Act
ⓘ
Fair Credit Billing Act ⓘ Home Ownership and Equity Protection Act ⓘ |
| appliesTo | consumer credit transactions ⓘ |
| codifiedIn | Title 15 of the United States Code ⓘ |
| contains |
civil liability provisions
ⓘ
criminal liability provisions ⓘ |
| country |
United States
ⓘ
linked to:
United States of America
|
| covers |
certain mortgage loans
ⓘ
closed-end credit ⓘ credit cards ⓘ open-end credit ⓘ |
| enactedBy | United States Congress ⓘ |
| enactmentDate | 1968-05-29 ⓘ |
| enforcedBy |
Consumer Financial Protection Bureau
ⓘ
federal banking regulators ⓘ state attorneys general (in certain circumstances) ⓘ |
| excludes | most business-purpose credit ⓘ |
| focusesOn |
disclosure of amount financed
ⓘ
disclosure of annual percentage rate ⓘ disclosure of finance charges ⓘ disclosure of payment schedule ⓘ disclosure of right of rescission where applicable ⓘ disclosure of total of payments ⓘ |
| implementedByRegulation | Regulation Z ⓘ |
| jurisdiction |
United States
ⓘ
linked to:
United States of America
|
| policyGoal |
facilitation of credit cost comparison by consumers
ⓘ
standardization of credit cost disclosures ⓘ |
| primaryCitation | 15 U.S.C. §§ 1601 et seq. ⓘ |
| protects | consumers ⓘ |
| provides | right of rescission for certain home-secured credit transactions ⓘ |
| publicLawNumber | Public Law 90-321 ⓘ |
| purpose |
to promote the informed use of consumer credit
ⓘ
to protect consumers against inaccurate and unfair credit billing and credit card practices ⓘ to require meaningful disclosure of credit terms ⓘ |
| regulatingAuthority |
Consumer Financial Protection Bureau
ⓘ
Federal Reserve Board (historically) ⓘ
linked to:
Federal Reserve Board of Governors
|
| relatedConcept | Annual Percentage Rate (APR) ⓘ |
| relatedRegulation | Real Estate Settlement Procedures Act ⓘ |
| requires | clear disclosure of key terms and costs of consumer credit ⓘ |
| sector | consumer finance ⓘ |
| shortName | TILA ⓘ |
| signedBy | Lyndon B. Johnson ⓘ |
| titleOf |
Title I of the Consumer Credit Protection Act
ⓘ
linked to:
Truth in Lending Act
|
| typeOfRegulation | disclosure regulation ⓘ |
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: TILA Description of subject: TILA 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.
Referenced by (3)
Full triples — surface form annotated when it differs from this entity's canonical label.