INDUSTRY FIELD GUIDE
Savings account rate-history records for AI evaluation
A savings product’s advertised rate today may differ from the rate in force for an earlier statement period.
NAICS 522180 · Savings Institutions and Other Depository Credit Intermediation
A savings product’s advertised rate today may differ from the rate in force for an earlier statement period. The CFPB’s Regulation DD materials provide public context for deposit account disclosures. A savings institution can use a synthetic packet to test whether a model finds the dated disclosure that belongs to a given product and period. CFPB Regulation DD
Invent two savings products with similar names, a rate notice with an effective date, and three mock statement periods. Include an advertisement that mentions a different product and a change effective after the period in question. Ask the assistant to cite the version that applies under the exercise and to flag conflicting records. Keep rate, annual percentage yield, and reported interest as separately labeled fields.
Keep depositor information, active pricing strategy, account details, private marketing lists, and platform controls out of the packet. This sample tests records and dates. Authorized staff retain customer and account decisions.
Describe a deposit disclosure benchmark
Original Fiund exercise
A later advertised yield cannot overwrite an earlier product disclosure
Two fictional savings products have synthetic dated rate fields. The exercise does not calculate customer interest, describe a current offer or recommend an account.
| Record | Source | What it records |
|---|---|---|
| SH1 | Product S disclosure | From days 1–19: annual interest-rate field 1.00%, APY field 1.01%. From day 20: rate 1.20%, APY 1.21%. Figures invented. |
| SH2 | Statement card | Product S, period days 5–15, reported interest 3 practice units. No balance history or calculation basis supplied. |
| SH3 | Advertisement | Published day 12 for different product S-Plus, APY 2.00%. No link changing Product S's disclosure. |
Question for the model
Which dated rate and APY fields match S's statement period, and can the advertisement or later notice explain its reported interest?
Show the reference answer and checks
SH1's days-1–19 disclosure matches SH2's days-5–15 period, supporting the fictional 1.00% rate and 1.01% APY fields. The day-20 change starts afterward, and SH3 advertises a different product. Neither replaces that historical S disclosure. SH2 lacks balance and calculation details, so its three-unit reported interest cannot be independently verified from these fields alone. Keep rate, APY and posted interest distinct.
- Using a current advertisement for a different product to describe a historical statement period.
- Treating rate, APY and reported interest as interchangeable values or sufficient calculation inputs.
Fields to preserve
- Product and disclosure interval
- Defines historical applicability.
- Rate versus APY label
- Preserves the meaning of each percentage.
- Statement period and calculation evidence
- Separates reported output from verification inputs.
Test another case
Extend the statement through day 25. Require both disclosure intervals to be identified and the calculation evidence gap to remain open.
Use fictional products and original cards. Exclude depositor data, active pricing plans and account decisions.
Discuss a contribution
Describe the sources you control, the task they could support and what has already been checked. Use the existing-data assessment for an archive or the collection brief for a new recording project. The contributor agreement defines Fiund’s licensing authority and compensation. A guide or fictional exercise does not establish an accepted collection or a sale.