Coverage
Every state.
Every channel.
Every disclosure.
Nine federal rule sets, a state overlay for all fifty states and DC, and six channels — with the limits stated plainly at the bottom of this page.
The baseline every check runs.
Payment amounts, rates, terms of repayment, “no closing costs”, teaser rates, comparative rate claims.
Guaranteed approval, government affiliation, savings claims, “pre-approved”, variable terms stated as fixed.
Co-branded posts with agents, “our preferred lender”, split-cost marketing, gift or incentive language.
Audience descriptors tied to a protected class, “ideal for”, age or family-status framing.
Neighbourhood coding, family and religious references, imagery-based steering, exclusion audiences.
Template SMS with no opt-out, consent claims, auto-dial references, mini-TCPA state overlays.
Missing postal address, deceptive subject lines, absent or buried unsubscribe.
Client testimonials, referral-fee relationships, influencer posts, “most clients save”.
Fine-print contradictions, urgency framing, incomplete comparisons, omitted material conditions.
Fifty states and DC.
Licensing, advertising and mini-TCPA rules vary by state. LoanLogic applies the overlay for the states you are licensed in.
Channel
What is checked where.
Caption and on-image text, story stickers, link-in-bio claims.
Page posts, boosted posts, personal-profile marketing.
Posts, long-form articles, headline and about claims.
Limits
What LoanLogic does not do.
It is not legal advice.
LoanLogic applies published rules to the words you give it. It does not form a legal opinion and it is not a substitute for counsel.
It does not file anything.
No submission to a regulator, no registration, no state filing. The record it writes is yours to produce if you are asked for it.
It does not replace your broker’s review policy.
If your policy requires a human sign-off, that stays. LoanLogic shortens the queue; it does not remove your obligation to follow policy.
It also does not read documents that are not marketing. Loan estimates, disclosures at closing, borrower correspondence and internal files are out of scope and are not checked.