lending compliance

Simplifying Social Media
and Website Monitoring

Meet CFPB & state oversight obligations
and monitor for compliance

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Named on HousingWire’s list of the housing economy’s
100 Most Innovative Technology Companies

Social media is an increasingly effective and important source of business development for mortgage companies, credit unions, banks, payday lenders, foreclosure relief services and debt collectors, which must stay active online to attract and engage with customers. Regulations require lenders to follow strict compliance guidelines for the effective monitoring of digital content, including social media and website communications.

Smarsh provides the leading technology platform specifically designed to meet these challenges. Monitor and retain all your digital content and advertising, including social media and website content, and produce it on-demand. Leverage lending-specific policies to help identify and mitigate areas of compliance risk.

Meet your regulatory retention and monitoring obligations

Lower your total cost and IT burden

Strengthen your supervision processes and review more efficiently

Preserve and monitor social media, corporate/branch office website records and other forms of electronic communications in one archiving system. Demonstrate policy enforcement with a complete audit trail of actions taken within The Archiving Platform. Be prepared for regulatory examinations or requests with on-demand data production.

No need to maintain your archiving and monitoring software. Smarsh automatically keeps you at the cutting edge of archiving innovation with its SaaS technology, freeing you up to focus on your business.

Leverage your industry’s best practices with review policies designed to identify content in violation of Fair Lending laws, the Truth in Lending Act or the FTC’s rules on Unfair, Deceptive or Abusive Acts. Search universally across people, keywords and content types and produce your archived records on-demand. Streamline your systematic supervision workflow so that your compliance team is reviewing only relevant content.

Key Regulations

Smarsh helps lenders meet compliance obligations for:

  • FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL (FFIEC) SOCIAL MEDIA GUIDANCE
  • TRUTH IN SAVINGS ACT/REGULATION DD AND PART 707
  • FAIR LENDING LAWS: EQUAL CREDIT OPPORTUNITY
  • FAIR HOUSING ACT
  • TRUTH IN LENDING ACT/REGULATION Z
  • REAL ESTATE SETTLEMENT PROCEDURES ACT (RESPA)
  • FAIR DEBT COLLECTION PRACTICES ACT
  • FTC SECTION 5 ON UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES
  • BANK SECRECY ACT/ANTI-MONEY LAUNDERING PROGRAMS (BSA/AML), COMMUNITY REINVESTMENT ACT, AND DATA PRIVACY

“Reporting capabilities were what attracted us to Smarsh. We supervise the communications for all our branches from our home office location, so it’s important for us to customize our content review process to meet the needs of each Member Office. We must be able to easily split up messages and assign them to the right person for review.”

ValMark Securities, Inc. provides integrated broker-dealer services for over 100 Member Offices or branches across the Unites States. At ValMark, each independently owned Member Office manages its own staff and technology infrastructure. With no centralized IT management and over 100 independent branches using various email platforms, archiving became a technology challenge, creating help desk issues for ValMark’s IT staff and uncertainty for its compliance team.

- Lynn Goebel, Chief Compliance Officer, ValMark

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The Archiving Platform

Join the many thousands of Smarsh customers in regulated industries enjoying the benefits of a unified, search-ready repository and interface for lightning-fast, powerful e-discovery and automated, policy-based compliance supervision for all of their email, instant messaging, text, web, video and social media communications.

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Web Archiving

Maintain a comprehensive history of your website’s evolution. Web archiving instantly captures revisions, documents, links to third-party content, and interactive features—without losing their context or functionality. Website content is reliably retained in its original form and it can be easily accessed and produced.

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Learn more about Smarsh solutions for lenders