As a marketing services provider, we understand the complex mortgage compliance requirements Loan Officers have to follow when producing marketing materials. That’s why we’ve built OutboundEngine with the legal and regulatory guidelines that shape your industry in mind.
|Real Estate Settlement Procedures Act||RESPA (Regulation X)|
|Consumer Financial Protection Bureau||CFPB|
|Truth in Lending Act||TILA (Regulation Z)|
|Mortgage Acts and Practices – Advertising||MAP (Regulation N)|
|Federal Financial Institutions Examination Council||FFIEC|
|Equal Credit Opportunity Act||ECOA|
|Fair Housing And Equal Opportunity||FHEO|
The content we write for your business is informative and editorial in nature. We avoid direct solicitation of mortgages, encouraging consumers to apply for a loan, and advertising interest rates. You have an opportunity to review all content before it is sent.
All marketing materials we send through email are branded with your name, NMLS number and Equal Housing Opportunity logo. We follow CAN-SPAM laws and send only to the people on your contact list. We include a standard disclaimer that you have the option to customize.
The content that we share on your behalf to Facebook, LinkedIn and Twitter is meant to entertain your fans and followers rather than to directly solicit mortgages, encourage customers to apply for a loan or advertise interest rates.
Four times a year, we run a sweepstakes for your business and supply the prize. To enter, your customers enter their contact information and answer a qualifying question like “how likely are you to need a loan in the next six months?” We also give them an opportunity to refer a friend. If someone does send you a referral, we make it clear that this will not impact their chance of winning the sweepstakes. There is no quid pro quo: entry into the sweepstakes is not dependent on someone submitting a referral.
We work hard to deliver marketing services that follow the letter of the law and are focused on being as compliant as possible.
Ultimately, individual customers are responsible for the compliance of their marketing programs with applicable laws and regulations. OutboundEngine assumes no liability for the accuracy or completeness of this information, the information contained in any marketing programs it creates, or the compliance of any marketing program with any applicable laws and regulations. Please consult with an attorney for information on specific laws and regulations and how they apply to your business.