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Would a compliance reviewer flag your mortgage ad?

Mortgage advertising gets caught two ways: language that promises an outcome you cannot promise, and a rate or figure nobody can source.

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Pre-set to the Reg Z rule set. Change it if you need a different industry.
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A screening tool, not legal review. Your compliance officer has the last word.

Why this rule set catches people out

Advertising a rate pulls in trigger-term obligations, and words like “guaranteed approval” describe a decision no originator gets to make before underwriting.

Real examples, and how to rewrite them

Every flag below is genuine output from the checker above — not an illustration. Paste any of them in and you will get the same result.

Flagged

“Guaranteed approval with no credit check. We have the lowest rates in Indiana, risk free.”

Needs CounselProhibited for this vertical: "guaranteed approval"
Needs CounselProhibited for this vertical: "no credit check"
Needs CounselProhibited for this vertical: "lowest rate"

Publishable

“Pre-qualification in about ten minutes, with a credit review as part of the process. We will show you where your rate lands against today’s market.”

Flagged

“Call today for a free consultation. Rates as low as 4.5% APR for qualified borrowers.”

Needs SourceFigure 4.5% is not in the approved knowledge base. Source it or cut it.

Publishable

“Call for a free consultation and we will quote today’s rate for your file, with the APR and terms in writing.”

Questions

Why was my rate flagged and not blocked?

An unsourced figure is a different finding from a prohibited phrase. It is asking you to attach a source or cut the number, not telling you the ad is unpublishable.

Is “lowest rate” really prohibited?

As an unqualified superlative, yes. It is a claim about every other lender in the market that you would have to be able to substantiate.

Does it check my NMLS and Equal Housing disclosures?

Missing disclosures are part of what the engine screens for. Pick the mortgage vertical so the right rulebook applies.

Does this replace compliance review?

No. It is a screening tool that catches the common flags before a human ever sees the draft.

This runs on every draft, automatically

The checker on this page is the public front of the gate that screens everything our marketing system writes for you — before it reaches your queue, in your industry’s rulebook, with a dated record you keep.

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