Real ChatGPT answer · index seed86tMuS3gMegcompleteFinance and banking · personal loansinformational
What protections do borrowers have under current lending laws when shopping for personal loans online?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What protections do borrowers have under current lending laws when shopping for personal loans online?
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
CFPB personal loans online borrower rights Truth in Lending Act Equal Credit Opportunity Act FCRA FTC advance fee loan scams official Google ↗
Utah personal loan lending laws consumer protection interest rate payday lending official Utah Google ↗
- Truth in Lending · occ.treas.gov
- 12 CFR Part 1026 - Truth in Lending (Regulation Z) · consumerfinance.gov
- Credit discrimination is illegal · consumerfinance.gov
- Civil Rights Division · justice.gov
- Who can request to see my credit report? · consumerfinance.gov
- What can I do if my credit application was denied because of my credit report? · consumerfinance.gov
- Fair Credit Reporting Act · ftc.gov
- § 1005.10 Preauthorized transfers. · consumerfinance.gov
- Electronic Fund Transfer Act · federalreserve.gov
- What To Know About Advance-Fee Loans · consumer.ftc.gov
- Credit and Loans · ftc.gov
- Submit a CFPB complaint · consumerfinance.gov
- Report fraud to the FTC · reportfraud.ftc.gov
- Utah Department of Financial Institutions · dfi.utah.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB personal loans online borrower rights Truth in Lending Act Equal Credit Opportunity Act FCRA FTC advance fee loan scams official OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
Utah personal loan lending laws consumer protection interest rate payday lending official Utah OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |