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Advertising and Marketing Policy Manual

Advertising and marketing your mortgage products and programs are standard business practices. However, there is an ever-increasing risk of Consumer Financial Protection Bureau (CFPB) and/or Federal Trade Commission (FTC) enforcement actions for unfair or deceptive advertising and for violations of the Truth in Lending Act (TILA) and implementing Regulation Z. There are also numerous regulations and agency requirements for mortgage lending advertising activities based on RESPA, S.A.F.E. Act, MARS (Regulation O), MAP rules, Fair Housing Act, HUD-issued guidance, state laws, and other fair-lending regulations.


Overview

It is vital that your advertising materials be truthful, non-deceptive, fair AND include all appropriate and required disclosures. Demonstrate your company's commitment to fair and truthful advertising practices by implementing the AllRegs Advertising and Marketing Policy Manual. This policy reflects industry standards and best practices for marketing your products and services. It includes recent changes to laws and regulatory guidance and establishes your policies.

This Advertising and Marketing Policy Manual covers the following topics:

  • Introduction
  • Accountability and Monitoring
  • Staff and Training
  • Related Regulations
  • Advertising Standards
  • Special Types of Advertising
  • Websites
  • Mortgage Products
  • Advertising and Marketing Prohibitions
  • Appendix - Regulatory Guidance

Benefits

The Advertising and Marketing Policy Manual features the following benefits:

  • Supports strong operational preparedness
  • Establishes staff training requirements
  • Defines roles and responsibilities
  • Helps meet investor and internal compliance requirements
  • Allows policy revisions to fit your business model
  • Delivered via email within one business day

Optional Services

Maintenance: Receive regular and ongoing industry updates to keep your policy within regulatory requirements.

Publishing: Publish your manual, including your company procedures, in AllRegs Online to complete your policy manual solution.

Contact your account manager for information regarding these optional services!

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