Built for the rules of our industry.

WOWMi is built specifically for the mortgage industry. Mortgage marketing is one of the most heavily regulated forms of advertising in the United States, and we've designed the Service so that the compliance lift sits inside the product — not on top of it.

This page explains how WOWMi's compliance tooling works, which regulatory frameworks it's designed to support, and where the line is drawn between what the Service does and what remains the Customer's responsibility.

1. Purpose of this page

This page is a plain-English overview of how WOWMi handles mortgage-marketing compliance. It is not legal advice and it does not modify your Terms of Service or Privacy Policy. Where this page conflicts with the Terms or Privacy Policy, those documents control.

2. The mortgage-marketing challenge

Loan officers and lending teams generate hundreds of pieces of marketing content every month — videos, social posts, emails, landing-page copy. Each of those pieces has to clear a stack of federal and state rules before it goes out. The most common pitfalls we see:

• Trigger terms without disclosures.Saying “3.5% rate” or “low monthly payment” without the corresponding APR, term, and conditions is a Truth-in-Lending violation.
• Unlicensed solicitation.NMLS-licensed individuals must include their NMLS ID in advertising; unlicensed staff can't solicit at all.
• UDAAP missteps. Claims that imply guaranteed approval, exaggerate savings, or downplay risks attract regulator attention even when technically true.
• Fair-Housing language. Steering language, protected-class references, and equal-housing logo omissions are common errors in social-first content.
• RESPA Section 8. Joint-marketing arrangements with real-estate partners can drift into prohibited referral-fee territory.
• TCPA / consent. Outbound video and SMS campaigns require documented consent under federal and state telemarketing rules.

WOWMi was built to put guardrails around all of these — without slowing the loan officer down to a stop.

3. How WOWMi helps

3.1 Pre-publish review

Every piece of content generated through WOWMi runs through a compliance pass before it can be exported or scheduled for publication. The pass evaluates the script, on-screen text, and captions against the Customer's configured rule set, and flags items that need review or rewrite.

3.2 Configurable rule library

Customers configure which rules apply to their team. WOWMi ships a baseline rule library covering the federal frameworks listed in Section 4, plus state-specific add-ons (e.g. New York 3 NYCRR Part 38, California Civil Code §1812.30 et seq., Texas Finance Code §156). Customers can add internal brand rules on top — required disclaimers, prohibited phrases, mandatory NMLS-ID placement, and so on.

3.3 Disclosures, disclaimers, and equal-housing logo

WOWMi automatically appends required disclosures (NMLS ID, equal-housing statement, employer disclaimer) to generated outputs based on the Customer's configuration and the User's license profile. Disclosures are rendered both in-frame (where applicable) and in the caption / metadata that ships with the export.

3.4 Audit trail

Every generation, edit, review decision, and publication event is logged. The audit log is exportable and is retained for the duration of the Customer's subscription (and for the period required by applicable record-retention rules — generally three years for advertising records under TILA/Reg Z).

3.5 Approver workflows

Customers can require designated approvers (compliance officers, managing brokers, marketing directors) to sign off before any content is exported. Approver assignments, decisions, and timestamps are part of the audit log.

3.6 Trigger-term detection

WOWMi flags Reg Z “trigger terms” (specific rates, payment amounts, down-payment amounts, finance-charge values) and prompts the User to add the required additional disclosures, or rewrites the content to a non-triggering form if disclosures aren't supplied.

4. Regulatory frameworks supported

WOWMi's rule library is built around the following federal frameworks. State-level rules are added on top per Customer.

5. Customer responsibilities

Customers are responsible for:

• Configuring the rule library to reflect their institution's policy, the states they originate in, and any product-specific requirements;
• Maintaining accurate license profiles for every User (NMLS ID, state authorities, license status);
• Reviewing every flagged item before override or publication;
• Designating qualified approvers for content that requires sign-off;
• Retaining audit-log exports for the period required by their examiner, regulator, or internal policy;
• Obtaining any consents required for outbound use (TCPA, state telemarketing, image rights);
• Substantiating any factual claim made in WOWMi-generated content (rates, savings figures, processing times).

6. Limitations

The compliance tooling has the following important limits:

• It is not legal advice. WOWMi does not act as a law firm, compliance consultant, or regulator. The rule library is a tool; it is not a substitute for institutional review.
• Coverage is best-effort. Regulations change. State-level rules vary. New examiner guidance is published every quarter. WOWMi updates its rule library on a continuous basis but does not warrant that every applicable rule is captured at every moment in time.
• Generative-AI risk is shared. AI-generated content can produce surprising outputs even after passing rule checks. Human review remains required.
• Override is permitted but logged. Customers can authorize override of any flag; every override is recorded with User, timestamp, and reason in the audit log.

7. Reporting compliance concerns

If you believe content generated through WOWMi has violated a mortgage-marketing rule, or if you've received an inquiry from a regulator or state agency that touches on WOWMi-generated content, contact us immediately at support@wowmi.comwith “Compliance concern” in the subject line. We will work with the Customer to assemble the relevant audit-log records and configuration history.

WOWMi receives subpoenas and regulator requests through the same channel. Where required by law, we will notify the affected Customer before responding.

8. Contact

WOWMi LLC
31248 Oak Crest Drive, Suite 210
Westlake Village, CA 91361
Email: support@wowmi.com