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Marketing and Advertising Compliance - 3 Part Series

3-part series on marketing and advertising legal and regulatory requirements impacting financial institutions - in-depth discussion of rules, best practices, and recommendations
Upcoming

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DATE

Tuesday, October 27, 2026
Friday, October 30, 2026
Tuesday, November 3, 2026

INSTRUCTOR

Carl Pry

FORMAT

Webinar

CREDIT TYPE

7.5 CRCM Credits

$829.00 or 3 Tokens

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

  • Artificial Intelligence (AI)
  • Auditing
  • Commercial/Business Lending
  • Compliance
  • Customer Service
  • Deposit Accounts
  • Deposit Compliance
  • General Compliance
  • Lending
  • Lending Compliance
  • Mortgage Lending
  • Risk Management/Legal
  • Sales
  • Bank Legal Counsel
  • Compliance Officer
  • Consumer Lender/Retail Banker
  • Customer Service Representative
  • Internal Auditor
  • Loan Operations Manager/Specialist
  • Marketing Officer/Business Development
  • Mortgage Lender
  • New Accounts Representative
  • Private Banker
  • Risk Manager

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Financial institutions face increasing scrutiny over how they market and advertise products and services. In today's regulatory environment, how you communicate with consumers is just as important as the message itself. Regulators continue to focus on UDAP/UDAAP concerns, sales and marketing practices, fair treatment of consumers, and the use of emerging technologies, making it essential for institutions to understand both the content and delivery of their marketing efforts.

This three-part webinar series provides a comprehensive review of the compliance requirements governing marketing and advertising. Participants will explore key UDAP/UDAAP principles, advertising requirements for deposit and lending products, fair lending considerations, privacy obligations, data usage, and third-party marketing risks. The series also examines marketing campaign rules related to email, telephone, social media, digital advertising, prescreening, and customer communications.

In addition to regulatory requirements, attendees will gain insight into emerging issues such as artificial intelligence, algorithms, personalized advertising, digital redlining, social media oversight, and evolving examiner expectations. Through practical examples, enforcement action discussions, and actionable recommendations, participants will learn how to identify compliance risks, strengthen marketing controls, and develop effective advertising programs that meet regulatory expectations while supporting business growth.

As marketing channels and compliance obligations continue to evolve, this series will help marketing, compliance, audit, and risk professionals stay informed and prepared.

Series Details

Marketing and Advertising Compliance - Part 1

3-part series on marketing and advertising legal and regulatory requirements impacting financial institutions - in-depth discussion of rules, best practices, and recommendations

Part 1:

  • In-depth discussion of UDAP/UDAAP requirements - attention to unfair, deceptive, and abusive acts and practices (UDAAP). Plus - what may be considered abusive? How can you stay clear of trouble? Don't miss the forest for the trees.
  • Examples of unfair and/or deceptive advertising
  • Discussion of enforcement actions and UDAP practices, plus recommendations
  • Sales practices and conduct risk – what are the issues? What will examiners look for? How best to be ready
  • Marketing services agreements – attention on third-party activities
  • Native advertising issues
  • Utilizing technology in advertising: algorithms, artificial intelligence, and associated risks
  • What data are you using to create personal advertising? Coming regulations (DFA 1033)
  • Social media and control over messaging – targeting risks

Marketing and Advertising Compliance - Part 2

3-part series on marketing and advertising legal and regulatory requirements impacting financial institutions - in-depth discussion of rules, best practices, and recommendations

Part 2:

  • Deposit advertising, including Reg. DD requirements
  • Tax reporting issues
  • FDIC official advertising statement requirements – plus updates: what’s coming?
  • Nondeposit Investment Product (NDIP) and insurance sales provisions
  • Rules prohibiting lotteries – what can and can’t you do with drawings and contests?
  • Marketing campaigns – privacy issues and sharing data and information with affiliates and non-affiliated third parties
  • Prescreening campaigns – FCRA requirements
  • Offering free credit reports
  • Guidance on the use of testimonials in advertising
  • Social media – regulatory guidance and cautions
  • TCPA (Telephone Consumer Protection Act) – Do Not Call requirements, plus related Do Not Solicit issues
  • TSR (Telemarketing Sales Rule) fraud issues
  • Email issues – CAN-SPAM and other concerns
  • Does anyone use faxes anymore? The Junk Fax Prevention Act
  • Online marketing to children – COPPA

Marketing and Advertising Compliance - Part 3

3-part series on marketing and advertising legal and regulatory requirements impacting financial institutions - in-depth discussion of rules, best practices, and recommendations

Part 3:

  • Fair Housing Act (FHA) rules – the Equal Housing Lender logo and statement
  • Fair lending considerations in marketing and advertising – what to be aware of and hot spots (such as geographical restrictions/redlining)
  • Digital redlining issues
  • Determining your Reasonably Expected Market Area (REMA), and what this means
  • Truth in Lending/Reg. Z requirements, including additional requirements for mortgage loans
  • Tax deductibility issues
  • SAFE Act disclosure issues

What You'll Learn

  • Understand key regulatory requirements impacting financial institution marketing and advertising, including UDAAP, fair lending, privacy, and consumer protection laws.
  • Identify compliance risks associated with digital marketing, social media, artificial intelligence, telemarketing, and data-driven advertising practices.
  • Learn advertising rules and disclosure requirements for deposit products, loans, investments, and insurance offerings.
  • Recognize emerging regulatory trends, enforcement actions, and examiner expectations to help strengthen your institution's compliance program.
  • Apply practical strategies to manage marketing, advertising, and sales practice risks while maintaining regulatory compliance.

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 Asurity Advisors in Washington, DC. Through his more than 35-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 and 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.

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