Statements (112)
| Predicate | Object |
|---|---|
| gptkbp:instance_of |
gptkb:municipality
|
| gptkbp:bfsLayer |
4
|
| gptkbp:bfsParent |
gptkb:Truth_in_Lending_Act
|
| gptkbp:affects |
gptkb:Educational_Institution
|
| gptkbp:aims_to |
protect consumers
|
| gptkbp:amended_by |
gptkb:Dodd-Frank_Act
|
| gptkbp:applies_to |
credit cards
financial literacy personal loans auto loans installment loans student loans mortgages home equity lines of credit credit transactions consumer loans credit reporting practices financial disclosures. |
| gptkbp:appointed_by |
gptkb:Federal_Reserve_Board
|
| gptkbp:covered_by |
mortgages
home equity lines of credit |
| gptkbp:enacted_by |
gptkb:1968
gptkb:Consumer_Financial_Protection_Bureau |
| gptkbp:enforces |
gptkb:Consumer_Financial_Protection_Bureau
gptkb:Federal_Trade_Commission regulatory oversight penalties state regulators civil penalties state regulators as well |
| gptkbp:established |
disclosure requirements
rights of borrowers |
| gptkbp:examines |
financial analysts
|
| https://www.w3.org/2000/01/rdf-schema#label |
Regulation Z
|
| gptkbp:includes |
annual percentage rate (APR)
annual percentage rate (APR) disclosures credit card rules rules for loan estimates |
| gptkbp:includes_provisions_for |
credit advertising
disclosures of fees |
| gptkbp:is_associated_with |
consumer rights
consumer protection initiatives |
| gptkbp:is_challenged_by |
lenders
|
| gptkbp:is_cited_in |
gptkb:legal_case
|
| gptkbp:is_criticized_for |
complexity
|
| gptkbp:is_designed_for |
consumer protection
|
| gptkbp:is_designed_to |
facilitate informed decision-making
ensure fair treatment of consumers protect vulnerable consumers promote informed use of credit combat deceptive practices in lending enhance transparency in lending promote responsible lending practices reduce consumer confusion |
| gptkbp:is_discussed_in |
policy debates
financial education programs |
| gptkbp:is_essential_for |
financial stability
consumer awareness preventing predatory lending |
| gptkbp:is_evaluated_by |
effectiveness
research studies |
| gptkbp:is_implemented_in |
gptkb:1968
gptkb:Educational_Institution enhance transparency |
| gptkbp:is_influenced_by |
economic conditions
|
| gptkbp:is_known_for |
Regulation Z of the Truth in Lending Act
|
| gptkbp:is_part_of |
gptkb:Consumer_Credit_Protection_Act
gptkb:Truth_in_Lending_Act financial consumer protection consumer finance law federal consumer financial law the Dodd-Frank Act reforms federal consumer protection framework |
| gptkbp:is_protected_by |
consumers from unfair lending practices
against unfair lending practices |
| gptkbp:is_referenced_in |
gptkb:document
|
| gptkbp:is_related_to |
consumer credit protection
Truth in Lending disclosures loan origination processes predatory lending laws truth in lending disclosures credit card accountability credit reporting regulations |
| gptkbp:is_reviewed_by |
regulatory agencies
|
| gptkbp:is_subject_to |
federal regulations
legal challenges amendments and revisions |
| gptkbp:is_supported_by |
consumer advocacy groups
|
| gptkbp:key |
gptkb:municipality
|
| gptkbp:mandates |
right of rescission
timely disclosures before loan agreements |
| gptkbp:part_of |
gptkb:Truth_in_Lending_Act
|
| gptkbp:provides |
consumer rights information
truth in lending disclosures guidelines for advertising credit |
| gptkbp:provides_information_on |
credit card billing statements
|
| gptkbp:requires |
clear disclosure of terms
timely disclosures advertising to be truthful clear terms for loans disclose total costs of credit provide a closing disclosure provide a loan estimate written notice of changes in terms creditors to disclose terms creditors to provide statements disclosure of finance charges disclosure of total costs |
| gptkbp:updates |
gptkb:Constitution
regulatory reviews reflect market changes Consumer Financial Protection Bureau periodically |