Requires creditors to provide uniform disclosures of credit terms, including annual percentage rates, finance charges, and payment schedules, to enable consumers to compare credit offers. Applies to most consumer credit transactions including mortgages, credit cards, and installment loans.
59
Rules extracted
3,133
Obligations decomposed
53.1x
Avg obligations per rule
🇺🇸 United States
Jurisdiction
Source
1
Regulation
Extracted
59
Rules
Decomposed
3,133
Obligations
Decomposition ratio
Each rule is decomposed into an average of 53.1 atomic obligations — the smallest testable units that can be independently violated.
Fully extracted & scored
All 3,133 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.
Every obligation in Regulation Z is scored across independent risk dimensions:
Obligation Weight
How critical within the regulatory framework
Violation Likelihood
How often breached in practice
Enforcement Evidence
Regulator enforcement history and penalties
Cascade Dependency
How many obligations depend on this one
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13 rules, 211 obligations
10 rules, 52 obligations
16 rules, 153 obligations
16 rules, 260 obligations
9 rules, 135 obligations
11 rules, 187 obligations
18 rules, 121 obligations
29 rules, 203 obligations
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