Advertising Guidelines for Lenders

Instructor: Stephen Bowe
Product ID: 703237
  • Duration: 60 Min

recorded version

1x Person - Unlimited viewing for 6 Months
(For multiple locations contact Customer Care)
Recorded Link and Ref. material will be available in My CO Section
Last Recorded Date: Feb-2014

Training CD / USB Drive

One CD/USB is for usage in one location only.
(For multiple locations contact Customer Care)
CD/USB and Ref. material will be shipped within 15 business days

Customer Care

Fax: +1-650-362-2367


Read Frequently Asked Questions

This training is an in-depth study of the advertising guidelines of Regulation Z. It will delve into the requirements of the rules for open-end credit offerings, closed-end credit offerings, mortgages, HELOCs, deferred interest offerings, and promotional interest offerings.

Why Should You Attend:

Regulation Z has very specific advertising requirements for open-end and closed-end credit, with special rules for mortgage lending, home equity lines of credit and credit cards.

This webinar will address all of these requirements. The instructor will take an in-depth look at what constitutes a ‘trigger term’ and what disclosures must follow as ‘triggered’ terms. This webinar will look at several advertisements and break each down to determine if it complies. It will also briefly discuss FDIC and HUD advertising rules.

Areas Covered in the Webinar:

  • Open-end Credit Advertising Rules
  • Closed-end Credit Advertising Rules
  • Trigger and Triggered Terms
  • Mortgage and HELOC Specific Advertising Disclosures
  • FDIC and HUD Advertising Rules
  • Advertising Disclosures Specific to Type of Medium
    • Print
    • Internet Based
    • Television & Radio

Who Will Benefit:

  • Compliance Officers
  • Regulatory Attorneys/In house Counsel
  • Risk Officers
  • Marketing Staff
  • Staff with roles and responsibilities in Compliance, Risk and Proofreading.

Instructor Profile:

Stephen J. Bowe, J.D., M.B.A. , L.L.M. is a highly experienced and educated Financial Regulatory Compliance Attorney with extensive experience in drafting credit related documents including applications, terms and conditions, statements, change in terms and credit advertising disclosures, crafting policies and procedures, designing and implementing compliance and internal control testing programs, managing regulatory audits, and training on regulatory compliance related issues.

During his 15 years of experience, Mr. Bowe has been given the opportunity to work for companies ranging from small non-bank financial institutions, credit card issuers, consulting firms to large international financial institutions. His roles not only include legal and regulatory compliance but also operational risk management, internal audit, credit decisioning, marketing and executive management. He currently is Senior Counsel & Director of Compliance for Universal Guardian Acceptance, LLC and owns and operates Compliance Navigator, a regulatory compliance consulting business and website ( for credit card issuers, banks and non-bank financial institutions.

Topic Background:

Regulation Z has very specific rules concerning the advertising of credit products. There are general advertising rules, specifics about what constitutes ‘clear and conspicuous’, ‘equal prominence’ and ‘close proximity’, how to advertise promotional rates, how to advertise deferred interest and how to advertise mortgage and HELOCs. For regulated financial institutions, failure to follow the advertising guidelines are a highly visible means of alerting regulators of a lax compliance program and may lead to increased regulatory scrutiny in other areas. Many retailers and or dealerships are simply unaware of the advertising requirements and can draw scrutiny from State Attorneys General or the Fair Trade Commission and can be sued for Unfair, Deceptive and Abusive Practices Acts (“UDAAP”). In order to comply with these advertising rules, practice makes perfect, which is why we shall review and analyze various advertisements for credit products across many mediums.

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Refund Policy

Registrants may cancel up to two working days prior to the course start date and will receive a letter of credit to be used towards a future course up to one year from date of issuance. ComplianceOnline would process/provide refund if the Live Webinar has been cancelled. The attendee could choose between the recorded version of the webinar or refund for any cancelled webinar. Refunds will not be given to participants who do not show up for the webinar. On-Demand Recordings can be requested in exchange.

Webinar may be cancelled due to lack of enrolment or unavoidable factors. Registrants will be notified 24hours in advance if a cancellation occurs. Substitutions can happen any time.

If you have any concern about the content of the webinar and not satisfied please contact us at below email or by call mentioning your feedback for resolution of the matter.

We respect feedback/opinions of our customers which enables us to improve our products and services. To contact us please email call +1-888-717-2436 (Toll Free).

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