Marketing & Advertising Compliance - 3 Part Series

Regulator and examiner attention to financial services advertising and marketing efforts is at an all-time high. Join us for a comprehensive look at the current requirements, and take away practical recommendations for staying in compliance.

April 5, 2024
April 11, 2024
April 17, 2024
Presented by Carl Pry
7.5 CRCM Credits
$829.00 or 3 Tokens

Includes: Live Access, 30 Days OnDemand Playback, Presenter Materials and Handouts

  • Compliance
  • Risk Management/Legal
  • Branch Manager
  • Commercial Lender
  • Customer Service Representative
  • Deposit Operations Manager/Specialist
  • Internal Auditor
  • Loan Operations Manager/Specialist
  • Marketing Officer/Business Development
  • Senior Management

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In the current financial services environment, your advertising and marketing efforts must be more effective than ever before. But, there are standards to observe, especially when it comes to UDAAP (Unfair, Deceptive, or Abusive Acts or Practices). There’s been a seismic shift in regulatory enforcement, and advertising and marketing practices that were acceptable in years past are now problematic. In the rush to attract new business and keep the clients you have, compliance requirements can easily be missed or ignored.

This comprehensive three-part webinar series covers the current landscape of marketing and advertising compliance requirements. We’ll provide many examples of how the rules apply as well as recommendations on how to deal with the requirements. We’ll cover the UDAP/UDAAP aspects of advertising, technical requirements of the deposits and loan regulations that deal with marketing and advertising, and marketing program-specific rules that cover campaigns. We’ll also talk about using data and customer information in marketing, such as privacy rules and regulations. Finally, we’ll delve into the technical aspects of marketing and advertising: using artificial intelligence, algorithms, auto-decisioning, and the use of various media, including social media and digital channels.

As the compliance environment becomes more complex, your marketing department must stay on top of the rules and regulations. These sessions will help.

Included Webinars

  • Marketing & Advertising Compliance - Part 1
  • Marketing & Advertising Compliance - Part 2
  • Marketing & Advertising Compliance - Part 3

Series Details

Marketing & Advertising Compliance - Part 1

This first session will be an in-depth discussion of UDAP/UDAAP requirements, with many examples provided. Plus, what may be considered abusive? How can you stay clear of trouble? Don't miss the forest for the trees!

  • Enforcement actions, UDAP practices and recommendations
  • Sales practices and conduct risk
  • Marketing services agreements
  • Native advertising issues
  • Coming regulations (DFA 1033) re: data used in personal advertising
  • Social media and control over messaging

Marketing & Advertising Compliance - Part 2

In this second session, we’ll discuss the requirements and best practices for compliance with Reg. DD requirements and deposit advertising, current and future FDIC official advertising statement requirements, FCRA requirements for prescreening campaigns, TCPA (Telephone Consumer Protection Act) – Do Not Call requirements, plus related Do Not Solicit issues, TSR (Telemarketing Sales Rule) fraud issues, and much more!

  • Marketing campaigns – privacy issues and sharing data and information with affiliates and non-affiliated third parties
  • Offering free credit reports
  • Guidance on the use of testimonials in advertising
  • Social media – regulatory guidance and cautions
  • Tax reporting issues
  • Non-deposit Investment Product (NDIP) and insurance sales provisions
  • Rules prohibiting lotteries – what can you do with drawings and contests?
  • Email issues – CAN-SPAM and other concerns
  • Junk Fax Prevention Act
  • Online marketing to children – COPPA

Marketing & Advertising Compliance - Part 3

In this third session, we’ll focus on Fair Housing Act (FHA) rules – the Equal Housing Lender logo and statement, and fair lending considerations in marketing and advertising: What to be aware of and hot spots such as geographical restrictions/redlining. We’ll also cover how to determine your Reasonably Expected Market Area (REMA), plus much more!

  • Truth in Lending/Reg. Z requirements, including additional requirements for mortgage loans
  • Digital redlining issues
  • Tax deductibility issues
  • SAFE Act disclosure issues

What You'll Learn

Each webinar in the series will cover specific topics relative to the subject matter.

Who Should Attend

Anyone involved in developing and marketing your institution's products and services, including the marketing department, compliance officers, auditors, business managers, sales and service staff, and anyone else whose duties involve promotion.

Carl Pry

Instructor Bio

Carl Pry is a Certified Regulatory Compliance Manager (CRCM) and Certified Risk Professional (CRP) who is a Senior Advisor for Treliant LLC in Washington, DC. Through his more than 30-year working career, as well as through his experience as a banking attorney and officer, he has provided a variety of regulatory compliance and financial performance services to financial institutions and other clients throughout the country. He has written extensively regarding consumer and commercial compliance, tax, audit, and financial institution legal issues, and is a frequent contributor to and currently serves as the Chair of the Editorial Advisory Board for the ABA Bank Compliance magazine. He has spoken at scores of banking, compliance, and state bar associations, and has conducted training sessions for financial institutions across the country.

Continuing Education Credit Information

Marketing & Advertising Compliance - 3 Part Series has been approved for 7.5 CRCM credits. This statement is not an endorsement of this program or its sponsor. Credits are redeemable for both Live and OnDemand viewing. For questions on certificates, please email support@oncourselearning.com. Certification holders must report these credits at https://aba.csod.com.