Mortgage Marketing Compliance Resources

Mortgage Marketing Compliance Laws, Regulations, and Regulatory Guidance

Purpose of This Resource

Mortgage advertising and marketing are subject to overlapping federal and state consumer protection requirements. These rules can apply to websites, social media, email, text messages, direct mail, lead-generation campaigns, rate advertisements, testimonials, comparison claims, and other communications intended to attract prospective mortgage borrowers.

An advertisement can create regulatory risk if it is inaccurate, incomplete, misleading, or missing required disclosures—even when there is no intent to deceive.

For mortgage lenders, brokers, mortgage loan originators, and their marketing partners, compliance should be considered before marketing is published, not simply reviewed afterward.

Key federal requirements include:

Truth in Lending Act (TILA) and Regulation Z
Mortgage Acts and Practices Advertising Rule (MAP Rule/Regulation N)
Consumer Financial Protection Act’s prohibition against unfair, deceptive, or abusive acts or practices (UDAAP).

Other federal and state requirements may address fair lending, licensing disclosures, company and MLO identification, telemarketing, electronic communications, privacy, record retention, and specific advertising claims.

Understanding these requirements also requires knowing the difference between a statute, regulation or rule, and regulatory guidance.

Using This Page

This page provides a centralized reference for mortgage marketing compliance. The resources below include key statutes, regulations, official interpretations, agency guidance, and other authoritative sources related to mortgage advertising and marketing.

When possible, review the underlying statute together with its implementing regulation and applicable official guidance. Requirements can vary depending on the mortgage product, marketing channel, licensing authority, jurisdiction, and specific facts of a campaign.

Use these resources as a starting point for identifying the requirements that may apply to a particular marketing activity.

Note: This resource is provided for compliance reference and educational purposes and is not a substitute for legal advice regarding a specific advertisement, marketing campaign, or set of facts.