- Before
- Writes the same APR comment by hand on piece after piece, and sends each one back for another round.
- Now
- Opens each piece already marked up, with the rule and the fix written; accepts, edits or dismisses with a reason, and watches the state badges turn green.
One post, from submitted to signed
Monday 12 October. Pellmore Home Lending’s Kitchen Season home equity campaign — 14 pieces, five states — launches Thursday. Nine pieces are cleared, five are open. Here is what happens next, screen by screen, in the working solution.
- 01Monday morning
Every campaign, and what is holding it
Dana Okafor · Marketing compliance reviewerDana opens the campaigns: 23 pieces waiting for review across 6 campaigns. Kitchen Season launches Thursday 15 October, in 3 days, with 5 pieces open — held by “Guaranteed approval”, a rate without APR and a missing NMLS ID. The review clock is 1 business day from a complete submission.
- 02Kitchen Season
Every piece against every state it runs in
Dana Okafor · Marketing compliance reviewerThe campaign opens as a grid: 14 pieces down the side, Federal, Texas, Illinois, Maryland, Virginia and North Carolina across the top, each cell the piece checked against that jurisdiction’s rules. P-0417, the first social carousel card, is red in four of six columns with 7 open.
“Each cell is the piece checked against that jurisdiction’s rules · click a piece to open it.”
- 0308:52, submitted
Leo’s post, marked up where it sits
The agentsLeo Marchetti submitted the post at 08:52. It opens as it will run in the feed — “Guaranteed approval in 24 hours. Borrow up to $150,000 at just 6.49% fixed — payments as low as $387/month for 20 years. No closing costs.” Every claim is highlighted and numbered, with a margin note beside it. The badges read Federal, IL, VA and NC red; Texas and Maryland are already clear because the profile page carries the NMLS ID.
“Checked by 6 agents in 38 s against 41 rules for Federal + 5 states · 7 issues, 4 passes.”
- 0438 seconds
Six agents, each step shown
The agentsThe creative reader found 14 claims and numbers. The trigger term checker found the rate, payment and term need the APR and terms. The claim substantiation checker tied each claim to rate sheet RS-2026-41 and file CL-12 — two do not hold. The state rules checker needs the NMLS ID in Illinois, Virginia and North Carolina, and the fair lending reviewer sends the targeting to counsel.
“Waiting for Dana Okafor — 7 issues (5 high), 4 passes.”
- 0509:14
“Guaranteed approval” becomes a claim Pellmore can prove
Dana Okafor · Marketing compliance reviewerApproval depends on credit, income and the home’s value — 12% of home equity applications were declined in Q3, so the guarantee is deceptive. The rewrite is already written: “Fast decisions — most applicants hear back within 24 hours,” backed by substantiation file CL-12 (median 19 hours, 81% within 24). Dana accepts it; the changed line is re-checked against 41 rules for Federal, with no new issues.
Cited: CFPA §1031, §1036 · 12 CFR 1014.3 · Policy MP-2.1.
- 06Minutes later
The APR, the payment terms, the NMLS line — every badge green
Dana Okafor · Marketing compliance reviewerThe rate gets its APR from today’s rate sheet: “6.59% APR (6.49% fixed interest rate).” The $387 payment — the August sheet’s figure at 6.99% — becomes “240 monthly payments of $372.49 per $50,000 borrowed at 6.59% APR,” with the taxes-and-insurance statement. “No closing costs” becomes “We pay third-party closing costs up to $2,500; a $395 origination fee applies.” The licensed name, NMLS ID and Equal Housing Opportunity logo go in. All six badges turn green.
“Ready for sign-off. Every issue is fixed or dismissed with a reason, and the social carousel, card 1 re-checked clean in every jurisdiction.”
- 07Counsel
The audience question goes to a lawyer, not an agent
Priya Venkataraman · Associate general counselThe ad set excluded 31 Cook County ZIP codes, 27 of them majority-minority — a redlining risk under Regulation B and the Fair Housing Act, and credit ads must run in the platform’s special ad category. The fair lending reviewer never clears that itself: the fix goes to Priya, who confirms the new audience — all of the five states, ages 18+, no exclusions.
Agent limit: “Never clears a targeting issue — counsel decides.”
- 08Signed · 09:19
v1 and v2 side by side, then the signature
Ruth Abernathy · Chief Compliance OfficerRuth sees version 1 as submitted and version 2 for signature side by side, the seven changes with the rule each one satisfies and who decided it, and the sign-offs: Dana cleared, Priya confirmed. She signs. Approval MCR-2026-1187 is stamped on the piece, with a re-review set for the day rate sheet RS-2026-41 changes or expires on 30 October.
- 09On the record
Every approval, ready for an examiner
Compliance logThe approval lands in the compliance log: the version that ran, who cleared and who signed, where it runs, and when it must be looked at again. One summer refinance email is already flagged for re-review because its rate sheet expired on 4 October. Records are kept 3 years after the piece last runs.
- 10When the rate moves
A new rate sheet re-checks every live piece
The agentsLoad the next rate sheet — 6.74% fixed, 6.84% APR, $379.88 per $50,000 from 2 November — and the 11 live pieces that quote RS-2026-41 are re-checked against 41 rules. Seven will be wrong on 2 November; their rewrites are drafted. Four quote only the fee and the closing credit and carry over. Nothing changes until a reviewer accepts.