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Independent Mortgage Banks

State regulators are paying attention to IMB advertising. So is ActiveComply®

IMB advertising compliance and loan officer oversight are exam priorities in every state market your LOs operate in. 

ActiveComply® gives IMB compliance teams automated monitoring, AI-powered content review, and exam-ready recordkeeping built around the MAP Rule, NMLS disclosure requirements, RESPA co-marketing restrictions, and state advertising standards.

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What You Are Up Against

The most common IMB exam exposures include:

For a CCO managing a large LO population without automation, the question is not whether something will be missed. It is when.

How ActiveComply® Solves These Issues

  1. Account discovery identifies every LO social media profile across 10 platforms, including ones never formally registered.
  2. Continuous monitoring scans posts, images, and profile bios for NMLS disclosure gaps, trigger terms, prohibited claims, and co-marketing violations.
  3. Violations are flagged and routed to your compliance team with context: the issue, the officer, the platform, and the applicable rule.
  4. LO-produced and co-branded materials move through an AI-powered review workflow with state-by-state advertising rules logic.
  5. Monitoring events, review decisions, and corrective actions are archived and timestamped without manual logging.
  6. When an exam arrives, records are organized by LO, platform, branch, state, and regulatory category and ready to export.

IMB Advertising Compliance Software


Common Questions

Yes. The ActiveComply® monitoring system uses a subset of data from NMLS Consumer Access™ to provide an easy onboarding experience for all our clients. ActiveComply® Social includes NMLS licensing disclosure verification, which checks licensing data against advertising content automatically as part of the monitoring workflow. This covers the disclosure requirements most commonly cited in state exam findings.

The cost of a single exam finding in remediation, legal fees, and reputational exposure typically exceeds the annual cost of the platform. Institutions that have moved from manual monitoring also report a meaningful reduction in compliance staff hours spent on routine tasks, freeing capacity for higher-value work without adding headcount.

ActiveComply® supplements your existing compliance program rather than replacing it. The platform automates monitoring, surfaces violations for human review, and documents the outcomes. Your team retains judgment and decision authority throughout.

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See how ActiveComply® automates IMB advertising compliance and loan officer oversight across social media, content review, and recordkeeping.

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