Every post is an advertisement.
Every advertisement is examinable.

Regulators treat your loan officers' social media exactly like print ads: subject to federal law, state law, and record-retention requirements. Most companies cannot see what is being posted in their name.

The exposure

Four ways this goes wrong

Every state, its own rulesAdvertising requirements differ across all 50 states: disclaimers, license display, trigger terms. A compliant post in Texas can be a violation in California.
One rogue postcan trigger a consumer complaint, and a complaint can trigger an exam. Exam findings become public enforcement actions.
Unlicensed-state advertisingAn officer licensed in 3 states whose posts reach 50 is soliciting where they hold no license, a citation regulators actively look for.
You are liable, not themThe company is responsible for its officers' marketing, including accounts compliance has never seen.
A company at 15 of 100, At Risk, with 141 open findings across 533 delivered reviews, beside its content outcomes and platform breakdown

What unmonitored exposure looks like when it finally gets measured: 141 open findings across 533 reviewed items. Fictional company, real product.

The rulebook

The rules in play

Your marketing, every post, profile, flyer, and page, sits under all of these at once.

TILA / Reg Ztrigger terms and required disclosures
MAP Rule / Reg Ndeceptive mortgage advertising practices
UDAAPunfair, deceptive, abusive practices
SAFE ActNMLS ID display requirements
RESPAreferrals, sweepstakes, kickbacks
Fair Housing / ECOAequal-opportunity advertising
State rules x50 + DCdisclaimers, retention, license display, required notices
Live enforcementthe hot-button issues examiners are actively pursuing, weighted higher
The manual trap

Why companies fail at this manually

30 to 45 minutesWhat a proper review takes, per officer. With 20 officers posting weekly, that is a full-time job that never catches up.
The image, not the captionRate flyers, infographics, video. The violations regulators cite most are not in the caption text a quick scroll can catch.
Rules that keep movingState regulators update advertising rules continuously. Yesterday's compliant disclaimer is today's finding.

See how Audit Hound solves it

What no one else shows you

The parts other vendors hope you never ask about

⚠ Coverage note · 1 of 9 sources did not yield. This run is held, not delivered clean.

Coverage honesty

Every source reports whether it actually yielded. A broken scrape blocks a clean determination, and you see the note. We never call a run clean when we did not see everything.

evidence #84210 · post text, images, image text, video transcript · preserved write-once, 5 years

A sealed evidence vault

Every reviewed post, clean ones included, is preserved write-once for five years. Exam defense, not screenshots in a folder.

“Advertised rates must include the APR” · 12 CFR 1026.24(c) · rulebook v41

The exact rule, every time

Each finding carries the rule text it was judged against, with the model and rulebook version stamped, so any determination can be reproduced months later.

Confirmed by your advisor, with a written note on an append-only trail

A human on every finding

Nothing reaches you unconfirmed. Advisors confirm or dismiss with a written note, and an uncertain pass is routed to a person rather than shipped.

Mortgage Broker License · applies: rules 12 of 83 · trade names re-verified per state

A rulebook that knows your licenses

Rules apply by the license types you actually hold, and trade-name registrations are tracked per state with drift-safe NMLS imports.

Flagged · officer soliciting in a state where only the company holds a license

Officer-level licensure logic

An officer marketing in a state where only the company is licensed gets flagged. Company state lists alone miss this.

video transcript · on-screen text read frame by frame · Flagged spoken claim

Video, fully read

Spoken claims are transcribed and reviewed word for word, and on-screen text is read frame by frame. The violations regulators cite most are not in the caption.

Spanish · Arabic · Hindi · Punjabi · Gujarati · Telugu · Tamil · reviewed today

Every language, today

Content is reviewed in whatever language it was posted in, with native terminology seeded. An ad is an ad in any language, and regulators read it that way too.

⚠ Complaint language detected · case opened · 30-day clock started

Complaints become cases

Complaint language in reviews or comments opens a case with a 30-day response clock, a daily overdue digest, and a period-report Complaint Log.

Ask any other vendor

Six questions worth asking before you sign with anyone, including us.

Will you tell me when a scrape failed and my coverage was incomplete?
Do you read the comment threads, including my officers’ replies?
Can I see the exact rule text behind every finding?
Is every finding confirmed by a person before I see it?
Is my evidence sealed write-once for an exam?
Do my license types decide which rules apply to me?

Compliance, unleashed.

Transparent pricing from $149 per month, with a human compliance advisor behind every report. One enforcement action costs more than years of monitoring.

Start monitoring