MARKETING COMPLIANCE
NEW HIRE TRAINING
SOCIAL MEDIA AUDITS Audits
11 month cycle Communication by email
What are we looking for?
Company, MLO & contact information matches NMLS EHL statement or Logo One-Click (Link) SPMC state license link Professional page Ownership of company must be explicitly understood by the public – DBAs Working hyperlinks
SOCIAL MEDIA PAGES compliance requirements
Full Name LO NMLS# [next to name or as close as possible] Sierra Pacific Mortgage | NMLS#1788 | Equal Housing Lender www.sierrapacificmortgage.com/licensing www.nmlsconsumeraccess.org
SOCIAL MEDIA TILES compliance requirements
NMLS#1788
nmlsconsumeraccess.org
SOCIAL MEDIA VIDEOS compliance requirements
Outro Disclaimer Clip – REQUIRED All social media videos must end with the official outro disclaimer clip. We offer several versions to match the content of your video.
Avoid Trigger Words in Scripts Do not use high-risk or non-compliant language such as: “Fast,” “easy,” “guaranteed,” “lowest rate,” “100% approval,” etc. Instead, use alternatives (e.g., “streamlined,” “efficient,” “responsive service”).
No Personal Borrower Info Never include borrower names or personal financial details in videos. All examples must be generalized and anonymous.
You can download the official disclaimer video here: Click Here
SOCIAL MEDIA POST REGULATORY VIOLATIONS FTC Testimonial Guidelines: We need Joe’s written permission to use her name, picture and if applicable, tagging her (borrowers) into posts.
Regulation X: The post endorses another individual and company and does not state the relationship.
FTC’s Endorsement Policy: Fails to disclose the material connection between the lender and the endorsed individual
UDAAP: We can’t guarantee consumers a time to close. Joe Smith requested a 20-day close and as an experienced consultant, we got it done! I was able to get Joe’s credit where it needed to be and got him this dream home. Thank you to my preferred real estate agent, John Doe at ABC Realty for the help on this one!
GLBA: Sharing borrower’s personal information. Personal information = sharing the borrower’s personal credit status
CONSIDERATIONS Is your page positively reflecting the company’s brand?
Are you avoiding triggers involving current political climate?
Are you utilizing your professional page for appropriate industry networking?
Does your site look like a DBA? If you were a consumer, could you explicitly tell that Sierra Pacific Mortgage is the company you are representing?
Is SPMC’s logo, NMLS, color scheme, theme, contact information present.
Do you need to get assistance from the Marketing Department?
TRIGGER WORDS Low Perfect Ideal Guaranteed Best
Unsure if you are using trigger words in your next post? Reach out to us today!
MEET OUR COMPLIANCE OFFICER Kesha Hendricks kesha.hendricks@spmc.com Phone: (916) 932-0482 950 Glenn Drive, Suite 150 Folsom, CA 95630
©2025 Sierra Pacific Mortgage Company, Inc., NMLS # 1788 (www.nmlsconsumeraccess.org) For industry Use Only. Not for Consumer Use. Do Not Distribute to Consumers. Equal Housing Lender