Regulation N – 12 CFR § 1014

Entities subject to Federal Trade Commission jurisdiction, such as mortgage brokers and lenders, must maintain “[c]opies of all materially different communications as well as . . . marketing materials regarding any term of any mortgage credit product” for two years from the date the entity last made or disseminated the commercial communications. 12 C.F.R. § 1014.5(a).

Commercial communications include “any written or oral statement, illustration, or depiction . . . that is designed to effect a sale or create interest in purchasing goods or services, whether it appears on or in . . . the internet, cellular network or any other medium. Promotional materials and items and Web pages are included in the term commercial communication.” 12 C.F.R. § 1014.2.

Link to the Regulation: https://www.ecfr.gov/cgi-bin/text-idx?SID=dc103ebf9e4d2048a35228719da72320&mc=true&node=pt12.8.1014&rgn=div5

Smarsh, Inc. assumes no liability for the accuracy or completeness of this information. Please consult with an attorney for specific information on specific rules and regulations and how they apply to your business.

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