Marketing compliance review
Your launch is waiting on one reviewer. Clear the queue.
Ads, landing pages, emails and social posts reviewed against the consumer protection rules that apply to them before they run, with each finding cited to its rule and a fix for each one.
Your problem
Your marketing is your sponsor bank's risk
- Deposit insurance claims, rate and fee disclosures, and unfair or deceptive practices are where partner programs get examined.
- The review queue is usually one person or outside counsel, so campaigns wait.
- When the bank asks what was reviewed and against what, the record is scattered across email threads.
What you get
Reviewed, cited and on the record
- A review for each piece, with findings cited to the rule and what would fix each one.
- A review log across every partner program, ready for your sponsor bank's oversight and your examiner.
How we do it
A defined set of checks, every time
- Each piece is reviewed against a defined set of checks drawn from the consumer protection rules that apply to your product.
- Each finding is cited to its rule, with the change that would clear it.
- The review record is kept for your sponsor bank and your examiner.
How the work is done
The audit you already buy, performed by an engine.
- Every record testedControls are tested against the full population of accounts and transactions, not a sample of twenty-five.
- Every requirement citedEach requirement the work runs against is cited to the rule it comes from, with the facts behind it labelled.
- Findings pricedFindings arrive priced in dollars, so remediation is ordered by what each gap is worth.
- A signed reportThe report is signed, and any reader can check that nothing in it changed after signing.
Pricing
A monthly fee per partner program
This replaces in-house marketing review, or review by outside counsel.
Price: Priced at scoping, per partner program. How pricing works
The published method
How this is normally done
The regulator's and the standard-setter's own method for this work, explained in plain English and cited to the source. We have nothing to hide about how we do it: check our process against it.
- ReferenceFintech Marketing Compliance Review: How Financial Advertising Is ReviewedRegulation Z and Regulation DD advertising rules, the FDIC's misrepresentation of insured status rule, FTC Act section 5 and UDAAP, sponsor-bank oversight, and the standard pre-publication review workflow.
- UDAAPUDAAP: Unfair, Deceptive, or Abusive Acts or PracticesWhat UDAAP prohibits: the legal standards for unfair, deceptive, and abusive acts or practices under Dodd-Frank, how it differs from the FTC Act, where it shows up, and how to control the risk.
- Field GuideSponsor-Bank Oversight: A CCO's Field GuideWho owns what between a sponsor bank and its fintech partners, where partnerships fail an exam, and how to build oversight that produces evidence instead of binders.
What happens next
Three steps from here.
- 01
A short call
Your product, your partner programs and how much you publish in a month.
- 02
A first batch
A few live pieces reviewed, so you can see the findings and the fixes before you commit.
- 03
Every piece after
Reviewed before it runs, with the log kept for oversight.