The promotion of Financial or Loan advertisements must adhere to the policies listed below:
All Finance & Loans
Campaign Requirements:
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All financial advertisements must comply with any/all applicable local laws as well as regulatory requirements.
Campaigns Cannot:
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Use any hidden fees throughout a users' experience
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Make any false earnings claims
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Be promoted in any country that prohibits the advertisement of financial/loan products and services
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Use terms such as “easy,” “fool-proof,” or “low risk "on the landing page or at any point in the user funnel
Thumbnails and Headlines Cannot:
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Use images of risqué or inappropriately dressed women
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Make monetary earning claims (Ex: Earn $976 An Hour From Home)
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Be vague/irrelevant so that it is difficult for a reasonable person to determine what product is being promoted
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Use terms such as “easy,” “fool-proof,” or “low risk” in headlines
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Utilize images of logos, seals, or government checks
Short-term or payday Loans
*Please note: Typical short-term loans require repayment in less than a year, and payday loans typically require repayment upon the borrower's next paycheck.
Campaign Requirements:
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Campaigns must be licensed with the appropriate regulatory authorities for the geo being targeted
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Campaigns must disclose the typical APR of loans on the landing page
Mortgages
Campaign Requirements
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Landing pages must include all relevant details about repayments and interest rates
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Initial landing pages must clearly disclose that users need to accomplish several steps to fulfill a standard qualification process
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Pages must disclose any additional payment requirements when applicable (taxes, insurance, etc.)
Campaigns Cannot:
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Suggest reverse-mortgages are "not payment" or have zero additional fees
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Use any images of logos, seals, or government checks on the landing page
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Utilize a landing page that suggests the offer is associated with any kind of government organization including the use of names or addresses
Credit
Campaign Requirements:
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Landing pages must clearly and conspicuously add the CFPB standards disclosure or the equivalent information of the target geo
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Pages must clearly and conspicuously state the actual terms offered by the creditor
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Include a link that takes the user to the company’s website that discloses any additional terms that may be required
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Be Fair Credit Compliant when offering services to consumers or meet the equivalent standards of the targeted geo
Campaigns Cannot:
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Deny services to customers due to race, gender, national origin, or other applicable legally protected characteristics
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Hide or block any disclosures
Banks
Campaign Requirements:
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Offers and products must be licensed by the regulatory body in the targeted geo
Campaigns Can:
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Promote the following:
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Bank Accounts
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Banking Services
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Campaigns Cannot:
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Promote any kind of institution that allows citizens to evade taxes
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Promote foreign banks relative to the targeted region
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Promote offshore accounts relative to the targeted region
Tax Preparation Companies
Campaign Requirements:
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All landing pages promoting tax services to online users must include disclosures as well as a link to the appropriate requirements for the targeted region.
Campaigns Cannot:
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Be misleading or deceptive in nature through statements or claims
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Promote services through the use of fraudulent or coercive statements
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Claim to be certified by the IRS or equivalent organization in the targeted geo without proper substantiation
Payment Services
Campaign Requirements:
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Landing pages must add the appropriate payment services license for the targeted geo and/or state where business is conducted (Ex. a money transmitter license)