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Mortgage Compliance: State Regulators & Social Media Are the Real Risk

Picture of Joe Wilson   Joe Wilson  ·  2 minute read

The Huddle Banner – Joe 6.3.25

Compliance Isn’t Going Away – It’s Just Shifting

There’s a narrative floating around the industry:

“The CFPB is easing up.”
“Regulators are backing off.”
“We’ve got some breathing room.”

It sounds convenient. But it’s dangerous.

While federal oversight is evolving, compliance risk hasn’t gone away – it’s just moved.

And if you’re a lender counting on 2023 playbooks to manage 2025 exposure, you’re already behind.


State Regulators Are Picking Up the Slack

In 2025, state enforcement has overtaken the federal spotlight:

  • 75% of all consumer protection enforcement actions this year are state-led
  • Over $441 million in state-issued penalties – and counting
  • States like California, New York, Connecticut, and Idaho are leading the charge
  • A 53-state multi-jurisdiction action recently hit a mortgage servicer with a $20M penalty (CSBS)

In short: states are no longer just enforcing – they’re making examples.

Especially when it comes to consumer-facing practices like advertising, marketing, and digital communication.


Marketing and Social Media Are Now Front-Line Compliance Risk

Lenders have invested heavily in making loan origination bulletproof. But there’s a blind spot: marketing.

And nowhere is that more obvious than social media.

We’re seeing:

  • Loan officers posting mortgage advice in TikToks, Instagram Reels, and Stories
  • Missing disclosures (like NMLS IDs) on promotional LinkedIn content
  • Graphics and carousels making claims that skirt UDAAP standards

Most teams don’t have a system in place to review, monitor, or archive this kind of content.

And state regulators know it.


The Compliance Risk in Mortgage Video Marketing

Video is no longer optional – it’s the primary way buyers engage with content.

That’s a win for reach. But it’s a compliance nightmare without the right tools in place.

  • One wrong word in a video.
  • One misleading statement.
  • One post that gets screen-recorded and shared with a regulator.

That’s all it takes.

And here’s the hard truth: most compliance systems can’t detect what’s said in video.


Why SocialCoach Is the Only Platform Built for Modern Mortgage Compliance

Social media shouldn’t put your company at risk — or bury your team in manual reviews.

We built SocialCoach to help lenders stay visible – but protected. That means compliance isn’t just tacked on – it’s baked into the process.

Here’s how we make it easy to scale content without the legal headaches:

✅ Proactive text scanning that flags risky language before a post goes live
✅ OCR image analysis to catch compliance red flags hidden in visuals
✅ Full video transcriptions reviewed to ensure what’s said is aligned with your marketing and legal standards
✅ Real-time audit trails for every post – across all users, formats, dates, and platforms
✅ Instant export tools to help you stay audit-ready at all times

No more manual reviews. No more missed details. No more risk in the dark.


Protect Your Team. Prepare for What’s Next.

Marketing and sales teams aren’t compliance experts. But in 2025, their social presence carries real regulatory risk.

State regulators are watching. Screen-record buttons are everywhere.

And when questions come up, your only protection is having the right system already in place.

If your company is investing in content and social – invest in doing it right.

SocialCoach is the only mortgage marketing platform built for the reality of today’s compliance landscape.

Ready to see how we help lenders create safe, scalable, and compliant social media strategies?

👉 Schedule a demo here