This course provides a comprehensive overview of the federal legal framework that governs mortgage marketing and advertising, including TILA, RESPA, the MAP Rule, UDAAP, TCPA, and ECOA. Participants will learn how these laws apply across traditional and digital media channels and how they protect consumers from misleading, deceptive, unfair, or discriminatory practices.
Beyond legal requirements, this course emphasizes practical application. You will explore real-world compliance risks, common advertising mistakes, documentation expectations, third-party oversight responsibilities, and best practices for building a defensible advertising compliance program.
By the end of this course, you will understand not only what the law requires, but how to apply it consistently in fast-moving marketing environments, including social media, automated outreach, and digital targeting platforms.
Mortgage advertising compliance is not about limiting creativity with marketing but about protecting borrowers, strengthening trust, and maintaining organizational integrity.‍

Learning Objectives

By the end of this course, participants will be able to:

• Identify the key federal laws governing mortgage advertising, including TILA, RESPA, MAP Rule, UDAAP, TCPA, and ECOA.
• Explain TILA trigger term requirements and the additional disclosures required when specific credit terms are advertised.
• Recognize deceptive, misleading, or abusive marketing practices prohibited under UDAAP and the MAP Rule.
• Describe RESPA Section 8 restrictions related to referral fees, kickbacks, and co-marketing arrangements.
• Summarize TCPA requirements related to marketing calls, text messages, consent, and Do Not Call rules.
• Identify fair lending risks in advertising, including discriminatory language and targeting concerns under ECOA.
• Apply best practices for advertising review, documentation, and approval workflows.
• Evaluate advertising scenarios to determine compliance risk and appropriate corrective action.