Marketing review covers consumer-facing materials across all channels, digital advertising, direct mail, email campaigns, website content, and in-branch materials, checking for the accuracy of rate and fee representations, the completeness of required disclosures, the prominence of material terms relative to promotional language, and the presence of claims that could be interpreted as misleading regarding product features, conditions, or costs. Review is triggered both at the point of new content approval and continuously for materials already in market.
Disclosure review applies the specific content and format requirements of the applicable regulatory frameworks like Regulation Z for credit products, RESPA for mortgages, TISA for deposits, and UDAAP for all consumer-facing communications, to the institution's current disclosure set. Gaps and inaccuracies are flagged for compliance review and correction before they generate borrower complaints or examination findings. The review record documents which materials were reviewed, which issues were identified, and how each was resolved, producing the compliance evidence that examiners look for when assessing the effectiveness of the institution's marketing compliance program.
