Rules and Sources

Founder

Rules last updated November 1, 2026 · Reviewed monthly; next review December 1, 2026

This page lists every check the Founder runs and the rules each check comes from. Florida checks run for firms in or serving Florida. Each month we open every source below, compare it with the checks, and update the audit if anything changed.

Primary sources

Federal

Regulation B final rule (eff. July 21, 2026) Discouragement standard for credit advertising, 12 CFR 1002.4(b). Checked November 1, 2026.
Regulation B changes summary (Venable) Plain-language summary of the 2026 Reg B amendments. Checked November 1, 2026.
Regulation Z advertising, 12 CFR 1026.16 and 1026.24 Trigger terms and required credit disclosures. Checked November 1, 2026.
Regulation DD advertising, 12 CFR 1030.8 APY and deposit advertising. Checked November 1, 2026.
FDIC Part 328, official signs and misrepresentation of insured status FDIC-insured claims by non-banks (Subpart B). Checked November 1, 2026.

Florida

Fla. Stat. §494.00165, mortgage advertising License number and misleading-ad rules for mortgage businesses. Checked November 1, 2026.

Changes we are watching

These are proposed or pending. The audit does not enforce them until they take effect.

FDIC digital signage for banks, April 1, 2027.

Every check the audit runs (22)

Check	Rule	Applies
Licensing disclosure is findable	SAFE Act, 12 U.S.C. §5101 et seq.; state advertising rules; Reg Z §1026.36(g) (NMLS ID on loan documents)	All firms
Trigger terms carry companion disclosures	TILA / Regulation Z, 12 CFR 1026.24(d); §1026.16(b)	All firms
Equal-credit or Equal Housing Lender statement present	ECOA / Regulation B, 12 CFR 1002.4(b) (as amended, eff. July 21, 2026)	All firms
Advertised rates are stated as an APR	TILA / Regulation Z, 12 CFR 1026.24(c)	All firms
GLBA privacy notice is linked	GLBA; Regulation P, 12 CFR Part 1016	All firms
Security posture is described where data is collected	FTC Safeguards Rule, 16 CFR Part 314; FTC Act §5	All firms
No unqualified approval promises	Consumer Financial Protection Act, 12 U.S.C. §§5531, 5536; FTC Act §5	All firms
FDIC references name the bank and say the firm is not one	FDIC, 12 CFR 328.102	All firms
Complaint contact is easy to find	CFPB complaint process, 12 U.S.C. §5534; state licensee notices	All firms
Dedicated licensing page reachable from footer	State licensing practice; NMLS Consumer Access	All firms
Testimonials and reviews are current	FTC Endorsement Guides, 16 CFR Part 255; FTC Consumer Reviews and Testimonials Rule, 16 CFR Part 465	All firms
States the site is not an offer of securities	Securities Act of 1933; Regulation D Rule 502(c) and Rule 506(c)	All firms
Capital raising for others: registration basis is clear	Securities Exchange Act of 1934 §15(a) and §3(a)(4); SEC Guide to Broker-Dealer Registration	All firms
No specific offerings or target returns on public pages	Regulation D Rule 502(c) and Rule 506(c)	All firms
Return, IRR and deal-volume figures carry a source and caveat	Securities Act §17(a); Exchange Act Rule 10b-5; FTC Act §5	All firms
Contact forms carry a privacy notice	FTC Act §5	All firms
Texting has written consent language	TCPA, 47 U.S.C. §227; Fla. Stat. §501.059	All firms
Florida: advertised mortgage rates say they can change	Fla. Stat. §494.00165(1)(b)	Florida
Florida: no "guaranteed approval" without the limits	Fla. Stat. §494.00165(1)(a)	Florida
Florida: state license shown	Fla. Stat. ch. 494, 516, 560 (Florida Office of Financial Regulation)	Florida
Florida: capital raising and dealer registration	Fla. Stat. §517.12(1)	Florida
Florida: "CPA" and "audit" claims are backed by a license	Fla. Stat. §473.322(1)(b)-(c); §473.302(8)(a)	Florida

Run the Founder · All audits

This page explains what our automated scan checks. It is not legal advice, and a passing check is not a finding of compliance. Have a licensed professional review your marketing before you rely on it.