This week, I sat down with our Content Marketing Manager here at PerformLine, Gianna Barrere, to discuss our annual Complaint Risk Signal Report. Listen as Gianna and I discuss:The background of the report, the importance of consumer complaints, and how they are used by the CFPB to regulate financial institutionsKey topics and a few interesting takeaways the report covers this yearGuidance on how organizations can establish a process for monitoring these complaints in the database systemBest practices for how to implement monitoring of marketing communications for compliance with regulations effectivelyFinally, we share how you can access the report and give a rundown of the additional content pieces coming out this quarter that you can look forward toShow Notes:[Exclusive First Access] CFPB Complaint Risk Signal Report: https://bit.ly/3rqMs7tCFPB Consumer Complaint Database Cheat Sheet: https://bit.ly/3rfU8JRSubscribe to our content: https://bit.ly/45ZkoqvConnect with Gianna Barrere: https://www.linkedin.com/in/gianna-barrere/Connect with Ashley "AC" Cianci: https://www.linkedin.com/in/ashley-cianci/

This week I sat down with our SVP of Sales here at PerformLine, John Zanzarella, to discuss the Benefits of Automating your Marketing Compliance Processes. Listen as John and I discuss:Some of the key concerns that keep marketing compliance professionals up at nightThe specific industry trends and regulatory changes that have heightened these concerns in recent timesHow automation can play a role in addressing these compliance challengesSome real-world success stories of organizations that have benefited from automating their marketing compliance processesShow Notes: Subscribe to the Regulatory Roundup: https://bit.ly/45Zkoqv5 Signs It's Time To Invest In A Marketing Compliance Software: https://bit.ly/3Ps1hjpStride Bank Customer Story: https://bit.ly/3r9mkhaUsing Performline to Monitor Web Pages and Social Media Posts from 200+ Partners: https://bit.ly/484rqfqConnect with John Zanzarella: https://www.linkedin.com/in/johnzanzarella/Connect with Ashley "AC" Cianci: https://www.linkedin.com/in/ashley-cianci/

This week I sat down with our Senior Director of Client Success here at PerformLine, Rhonda McGill, to discuss the state of mortgage marketing compliance. This month we hosted our quarterly roundtable with compliance leaders in this space, and during today's episode Rhonda and I sat down to discuss some key takeaways from that event, including: The ongoing complications with manual compliance review of loan officersThe increased risk of loan officers seeking additional revenue from affiliate partnerships due to the interest rate market, and what compliance teams can do to mitigate this riskCompliance Concerns with Loan officers adopting group names (or “team names”) for branding and how to address the regulatory scrutiny around theseThe ever-popular topic of monitoring loan officers across social media, specifically the new platform ThreadsAnd finally, remote work policy requirements that are being issued by states and how compliance teams can proactively address these.Show NotesTips for Effective Collaboration Between Marketing and Compliance Teams: https://bit.ly/3Pa7ejNSocial Media Compliance Checklist for Loan Officer Training and Oversight: https://bit.ly/3srXvxqCOMPLY Mortgage Industry Roundtable: https://bit.ly/47PH8uDConnect with Rhonda McGill: https://www.linkedin.com/in/rhonda-mcgill/Connect with Ashley “AC” Cianci: https://www.linkedin.com/in/ashley-cianci/

This week’s podcast features a special guest, Faraz Rana, Founding Team Member and Former Chief Legal Officer at Bread and current Co-Founder and CEO of Affinity. During today's episode, we sit down with Faraz to discuss building a culture of compliance, including:What the compliance team and processes looked like during his time at BreadHow he prioritized what needed to be done to build this true culture of complianceHow technology can be an integral part of the compliance process, especially as it pertains to automating and scaling this functionAnd finally, some top tips for fintech listeners as it pertains to their compliance programs and readying them for bank partnershipsShow Notes:Fintech-Partner Bank Relationships: Regulatory Roles & Responsibility: https://bit.ly/3QrxLeEFinTech Compliance: What You Need to Know: https://bit.ly/3YAapFLPartner Banks: Marketing Compliance Trends You Need to Know: https://bit.ly/3OHsrCnConnect with Faraz: https://www.linkedin.com/in/faraz-rana-502874a/Connect with Ashley: https://www.linkedin.com/in/ashley-cianci/

This week’s podcast features a very special guest, Sandhya Brown, Assistant Director in the Division of Financial Practices at the FTC. This past year, the FTC issued their staff report on dark patterns (“Bringing Dark Patterns to Light”) and also brought a number of cases involving dark patterns: Credit Karma, Epic Games (Fortnite), and Vonage, to name a few. They’ve also initiated rulemakings in a few areas related to dark patterns – in particular, junk fees and click-to-cancel. Listen as she talks about the staff report, key aspects of the cases they brought, the rulemaking proposals, and tips for compliance.Show Notes:Minimizing UDAAP Compliance Risk: Expert Insights How to Navigate Marketing Compliance in 2023: Expert Insights UDAAP and Fair Lending Compliance: A Simple 2-Step Approach

This week’s podcast is the second part of a conversation between four industry experts—James Kim from Troutman Pepper, Brian Serafin from Weiner Brodsky Kider PC, Pia Thompson from lawesomeGC,  and Rhonda McGill from PerformLine. Today they continue their discussion on  UDAAP. Topics on today's episode include:How to avoid common UDAAP pitfallsMitigating UDAAP compliance risk in marketing materialsDeveloping effective UDAAP compliance programsShow Notes:The Top UDAAP Compliance Issues Report: https://bit.ly/43lT1FBWatch On Demand – Minimizing UDAAP Compliance Risks: https://bit.ly/45qzuWmUDAAP Resource Library: https://bit.ly/3IAYW1IConnect with Pia Thompson: https://www.linkedin.com/in/pia-thompson/Connect with James Kim: https://www.linkedin.com/in/jameskim99/Connect with Brian Serafin: https://www.linkedin.com/in/brian-serafin-23297620/Connect with Rhonda McGill: https://www.linkedin.com/in/rhonda-mcgill/

This week’s podcast is the first part of a conversation between four industry experts—James Kim from Troutman Pepper, Brian Serafin from Weiner Brodsky Kider PC, Pia Thompson from lawesomeGC, and Rhonda McGill from PerfomLine. Today they discuss their unique insights on compliance with Unfair, Deceptive, or Abusive Acts or Practices (UDAAP). Listen as they discuss: Background on UDAAPCompliance risks to be aware of as it pertains to UDAAPTheir takes on the CFPB's policy statement on abusive acts and practicesShow Notes:The Top UDAAP Compliance Issues ReportWatch On Demand: Minimizing UDAAP Compliance RisksUDAAP Resource LibraryConnect with James Kim: https://www.linkedin.com/in/jameskim99/Connect with Brian Serafin:  https://www.linkedin.com/in/brian-serafin-23297620/Connect with Pia Thompson: https://www.linkedin.com/in/pia-thompson/Connect with Rhonda McGill: https://www.linkedin.com/in/rhonda-mcgill/

This week’s podcast is part two of a conversation between our SVP of Sales John Zanzarella, and two heavy hitters in marketing compliance - Alexandra Megaris, Partner at Venable LLP, and John Henson, General Counsel at ConsumerAffairs. If you haven’t listened to the first part of their conversation, we recommend you do that first, and then head back here to see how they wrap up their conversation with these topics: How to mitigate risk across marketing channelsHow to prioritize communication methods for complianceRegulatory hot topics and expectations for 2023How to share regulatory updates that affect the business with the appropriate teamsShow Notes:The State of Marketing Compliance Report: https://bit.ly/3LcF2unHow to Navigate Marketing Compliance in 2023: Expert Insights: https://bit.ly/426siwn5 Signs It’s Time to Invest in a Marketing Compliance Software: https://bit.ly/3NhORtCConnect with John Zanzarella: https://www.linkedin.com/in/johnzanzarella/Connect with Alexandra Megaris: https://www.linkedin.com/in/alexandra-megaris-6a018623/Connect with John Henson: https://www.linkedin.com/in/john-h-henson/

In this week’s podcast our SVP of Sales John Zanzarella, sits down with two heavy hitters in marketing compliance - Alexandra Megaris, Partner at Venable LLP, and John Henson, General Counsel at ConsumerAffairs - as they discuss how organizations are facing a unique set of marketing compliance challenges in 2023. Their discussion topics include: How small compliance teams can keep up with increasing demandsEffectively prioritizing and allocating compliance budgetsThe risks of not prioritizing training and developmentHow organizations can make the most of their relationship with consultants and outside counselShow Notes:The State of Marketing Compliance Report: https://bit.ly/3LcF2unHow to Navigate Marketing Compliance in 2023: Expert Insight:  https://bit.ly/426siwn5 Signs It's Time to Invest in a Marketing Compliance Software:  https://bit.ly/3NhORtCConnect with Alexandra https://www.linkedin.com/in/alexandra-megaris-6a018623/Connect with John H: https://www.linkedin.com/in/john-h-henson/Connect with John Z.: https://www.linkedin.com/in/johnzanzarella/

On this week’s podcast we sit down with two PerformLine colleagues - Gianna Barrere, our Content Manager and Mike Gibney, our Client Solutions Manager and we discuss all things UDAAP (or Unfair, Deceptive, Abusive Acts or Practices).  First we chat with Gianna about her newly released report: The Top UDAAP Compliance Issues Across Published Content, the methodology behind the report, and some of the key takeaways. And then we chat with Mike about PerformLine’s rules engine, rulebooks - specifically those that help with UDAAP, and why it’s critical to take a proactive approach to marketing compliance.Show Notes:

This week’s podcast is part two of a conversation all about BaaS or banking-as-a-service. If you haven’t listened to our previous podcast it contains part one of this conversation, so we recommend that you go back and listen if you haven’t yet. This week though we are rejoined by Paul Wilmore, PerformLIne’s COO, Tanner Mayo, President of FedFis and the BaaS association, and Amanda Swoverland, Chief Compliance officer at Unit, as they discuss:The inconsistency in the regulatory climate in this industry, and thoughts on what’s to come.How players in this space can use compliance as a competitive advantage.How using a scalable platform to automate your compliance process can increase your number of fintech partnerships and thus growth.And what the next 6-10 months might look like in this space.Show Notes:4 Key Fintech Compliance Trends You Need To Know: https://bit.ly/3lc4ebEPartner Banks: Marketing Compliance Trends You Need to Know: https://bit.ly/3TmgnanWhy Partner Banks Love PerformLine for Marketing Compliance: https://bit.ly/3llQCubThe State of Marketing Compliance for Partner Banks and Fintechs Infographic: https://bit.ly/3ZQSwCjThe Compliance Checklist for Bank-Fintech Partnerships and BaaS Providers: https://bit.ly/3YNRhSXConnect with Paul: https://www.linkedin.com/in/paul-wilmore-6b1646/Connect with Amanda: https://www.linkedin.com/in/amanda-swoverland-4a6ba671/Connect with Tanner: https://www.linkedin.com/in/fintechcowboys/

This week’s podcast is part one of a conversation all about BaaS (banking-as-a-service). Paul Wilmore, PerformLine’s COO, sits down with Tanner Mayo, President of FedFis and the BaaS association, and Amanda Swoverland, Chief Compliance officer at Unit to discuss:The current state of this rapidly growing industryHow Fintechs are building trust with consumers as we see more a shift to the less traditional banking modelTheir stance on who is responsible for regulatory compliance and consumer protection in this space - the bank, the fintechs, or both.The expertise in compliance that banks can offer these fintechs given their history of regulatory oversight.Show Notes:4 Key Fintech Compliance Trends You Need To Know: https://bit.ly/3lc4ebEPartner Banks: Marketing Compliance Trends You Need to Know: https://bit.ly/3TmgnanWhy Partner Banks Love PerformLine for Marketing Compliance: https://bit.ly/3llQCubThe State of Marketing Compliance for Partner Banks and Fintechs Infographic: https://bit.ly/3ZQSwCjThe Compliance Checklist for Bank-Fintech Partnerships and BaaS Providers: https://bit.ly/3YNRhSXConnect with Paul: https://www.linkedin.com/in/paul-wilmore-6b1646/Connect with Amanda: https://www.linkedin.com/in/amanda-swoverland-4a6ba671/Connect with Tanner: https://www.linkedin.com/in/fintechcowboys/

This week I sat down with our Senior Director of Client Success here at PerformLine, Rhonda McGill, to discuss the state of mortgage marketing compliance. Last week we hosted a quarterly roundtable with compliance leaders in this space and today Rhonda and I discuss some key take aways from that event. This includes doing a lot more - such as examinations and compliance reviews, with a lot less - as we see market trends impacting these teams.  As well as the ongoing need for monitoring for non-compliant posts and brand mentions across loan officer’s social media channels. We discuss these key themes and some helpful takeaways for folks in this industry to start thinking about and implementing today. Show Notes:16 Quick Tips for Proactive Fair Lending Compliance: https://bit.ly/3xsUsEyTop 5 UDAAP Compliance Issues Across Published Content: https://bit.ly/3xrpEUyTop Mortgage Compliance Issues Across Loan Officers’ Social Profiles and Websites: https://bit.ly/3xsgaZ2Social Media Compliance Checklist for Overseeing Loan Officers: https://bit.ly/3lDjtKtCOMPLY Mortgage Compliance Community: https://bit.ly/3IoMaUn

This week I sat down with our content manager here at PerformLine, Gianna Barrere, to discuss the release of our upcoming State of Marketing Compliance Report. This is our second annual release of this report, which is a comprehensive overview of the data we collected in Q4 of 2022 , when we surveyed compliance professionals across a wide variety of industries on their marketing compliance practices, concerns, and challenges. During today’s podcast Gianna and I discuss: Key insights from the reportThe most consistent and inconsistent data points year-over-yearA few key takeaways for the mortgage, buy now, pay later, fintech, and partner bank industriesAnd a sneak peek at our upcoming webinar with compliance professionals to dig into these insightsShow Notes: 2023 The State of Marketing Compliance Report: https://bit.ly/3JwZHKENavigating Marketing Compliance Challenges in 2023 Webinar: https://bit.ly/3HqcU5cFollow Gianna: https://www.linkedin.com/in/gianna-barrere/Follow Ashley “AC”: https://www.linkedin.com/in/ashley-cianci/

This week’s episode is part two of a conversation about one of our top annual content pieces - the CFPB Compliant Risk Signal Report. Every year we analyze the consumer complaints submitted to the Consumer Financial Protection Bureau and the compliance risk signals they present to financial institutions. Today’s podcast is a continuation of a conversation between experts at PerformLine as they continue to talk through compliance risk signals from the CFPB's consumer complaint database, including: Enforcement trends over the past year and expectations in 2023Prioritization of enforcement over consumer educationIncreased scrutiny of UDAAPThe States' role in enforcement and consumer protectionKey takeaways to mitigate compliance riskShow Notes:2022 Complaint Risk Signal ReportCFPB Director Chopra: A Year in Review8 Steps to Reduce UDAAP ViolationsConsumer Complaints, Enforcement Actions, and Compliance Trends from the CFPB

We’re starting this season of our COMPLY podcast discussing one of our top annual content pieces - the CFPB Compliant Risk Signal Report. Every year we analyze the consumer complaints submitted to the Consumer Financial Protection Bureau and the compliance risk signals they present to financial institutions.The CFPB uses this consumer complaint data to guide its supervisory and enforcement activities and today’s discussion focuses on:Big-picture complaint trends over the past yearIncreased complaints submitted by special groupsContinued regulatory scrutiny on fair lendingThe latest happenings in the BNPL industry and expectations for this yearBank-fintech partnerships and the increasing importance of complianceShow notes:2022 Complaint Risk Signal ReportBNPL Regulation and Compliance at State and Federal LevelsThe Compliance Checklist for Bank-Fintech Partnerships and BaaS Providers16 Quick Tips for Proactive Fair Lending Compliance

Our episode this week is part two of a conversation on the current and future regulation of the buy now, pay later industry featuring Alan Kaplinsky and Lisa Lanham, two thought leaders from Ballard Spahr, and PerformLine’s own SVP John Zanzarella.  Their conversation focuses on the CFPB’s latest report on Buy Now, Pay Later: Market trends and consumer impacts, as they specifically discuss the three main areas of concern for consumer protection risks for BNPL products as outlined by the CFPB, from both the federal and state perspective, including the lack of standardized disclosures for these products, the lack of process around dispute resolution, and the issue of compulsory payments, or “auto-pay” as the bureau refers to it. Show Notes:The Buy Now, Pay Later Compliance Checklist: https://bit.ly/3EWze5eTop 5 Buy Now, Pay Later Compliance Issues Across Merchant Sites: https://bit.ly/3B40P37The Buy Now Pay Later International Regulation Map: https://bit.ly/3VncMZSFollow Alan: https://www.linkedin.com/in/alankaplinsky/Follow Lisa: https://www.linkedin.com/in/lisamlanham/Follow John: https://www.linkedin.com/in/johnzanzarella/Follow Ashley (AC): https://www.linkedin.com/in/ashley-cianci

Our episode this week revolves around the current state of the buy now, pay later industry. The conversation features Alan Kaplinsky, Senior Counsel at Ballard Spahr, Lisa Lanham, Partner at Ballard Spahr, and John Zanzarella, SVP at PerformLine. In addition to discussing where this industry stands today, they also discuss the possible future of this industry over the next few years given the current headwinds it faces - which include a decrease in consumer spending, rising inflation and existing loan quality and cost of funding becoming constrained as interest rates continue to rise.Show Notes:The Buy Now, Pay Later Compliance Checklist: https://bit.ly/3EWze5eTop 5 Buy Now, Pay Later Compliance Issues Across Merchant Sites: https://bit.ly/3B40P37The Buy Now Pay Later International Regulation Map: https://bit.ly/3VncMZS

We’re super excited for this week’s podcast with Paul Wilmore. Paul spent 19 years at Barclays in US Consumer Business in a number of roles, last of which was Chief Marketing Officer. From there Paul become the CMO at Cardtronics, the world's largest ATM operator, and is now the Chief Operations Officer here at PerformLine.During today’s episode Paul and I discuss: The evolution of the fintech, partner bank, and banking as a service (BaaS) ecosystemThe opportunities and challenges of these new partnershipsThe importance of collaboration between these parties as it pertains to complianceShow notes: The Compliance Checklist for Bank-Fintech Partnerships and BaaS Providers: https://bit.ly/3tFhXrR[Blog] Evolution of Compliance for Bank, Fintech, and BaaS Partnerships: https://bit.ly/3hPZm9Y[Blog] Managing Compliance Risk for BaaS and Bank-Fintech Partnerships: https://bit.ly/3TIsFIV

We’re super excited for this week’s podcast with Rhonda McGill. You may know Rhonda as our SVP of Client Solutions here at PerformLine, but what you may not know is that she is also our resident compliance fortune teller.  During today’s episode, Rhonda and I walk through the compliance predictions she made for 2022, where things landed in the world of regulation, and her predictions for what we can expect to see in 2023.Show Notes:Q4 Mortgage Industry Roundtable | November 9th, 1:00 PM ET2022 CFPB Complaint Risk Signal ReportBlog: CFPB Director Rohit Chopra: A Year in Review