lending compliance

Simplifying Social Media
and Website Monitoring

Meet CFPB & state oversight obligations
and monitor for compliance

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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

“I receive excellent customer service at Smarsh. Everyone has been instantaneously responsive. The longest I have ever been on hold with Smarsh is two minutes – meanwhile, I’m still trying to resolve outstanding problems with our previous solution and getting nowhere.”

McLaughlin Ryder Investments, Inc. helps individuals and institutions achieve their financial goals, with a focus on providing expert and ethical investment advice with integrity and first– class personal service. McLaughlin needed a way to archive and retain email communications. While several solutions were considered, Smarsh was chosen due to its positive industry reputation and comprehensive archiving solution.

- Michelle Glicklin, Principal Vice President and Compliance Officer, McLaughlin Ryder

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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