TrueComply compliance checks
TrueComply, built into TrueTone, checks what you make against mortgage advertising rules: federal rules, the rules of the states you are licensed in, and, on a company account, your company’s own rules. A check points at the exact words it is worried about and offers one fix. It is a second set of eyes, never a legal ruling.
What it is
TrueComply is part of your TrueTone account, not a separate sign-up. Every time TrueTone writes a draft for you, and every time you save your own edit, the words are checked. Anything the check finds shows as a flagged line: the words are underlined, and a short note says why and what would fix it. You can let TrueTone fix the line in your voice, change it yourself, or keep it as it is.
Above the piece sits a Check Label, a one-line summary of the last check, such as “Passed federal ad checks” or “1 line flagged”. Click it to see exactly what ran and when.
Who it is for
- Loan officers on their own account get advice. A flagged line is a suggestion, and you decide what goes out.
- Loan officers at a company get the same checks, plus their company’s own rules. Depending on how the company set things up, a piece with a flagged line may go to the company’s Compliance Admin before it can be posted.
- Compliance Admins use the TrueComply compliance tools to review the pieces sent to them, write the company’s own rules, set how strict each Channel is, and download an audit record.
- Org admins name the Compliance Admin and choose how accepted pieces are released.
Two kinds of check
| Check | What it reads | When you see it |
|---|---|---|
| Basic check | Fixed patterns from federal ad rules, plus any loan term (a rate, an APR, a payment, a fee) that TrueTone wrote and you never gave it. | Always available. It is also what runs once you reach a free check limit. |
| Full check | Reads the words for meaning against every rule that applies to you: federal, your states, and your company’s rules. | On drafts and saved edits, within the free check limits. |
A Basic check never says a piece passed. It can only say it found nothing, so its label reads “Basic ad checks, nothing flagged”.
What a label means, and what it does not
| Label | What it means |
|---|---|
| Passed federal ad checks | A full check against federal ad rules (and your states’ rules) found nothing. No person reviewed it. |
| Passed compliance check | Your company’s full check, its own rules included, found nothing. No person reviewed it. |
| Basic ad checks, nothing flagged | Only the Basic check ran, and it found nothing. |
| 1 line flagged, or N lines flagged | The check found words worth a look. |
| Flagged, kept by you | You chose to keep a flagged line as written. |
On a company account you may also see review labels: In Compliance Review, Changes requested, Accepted with changes, Accepted by compliance, Rejected by compliance, and Waiting for release. See Sending a piece to compliance.
A passing label means no rule fired. It is not legal approval, and it does not mean a person looked at the piece. You stay responsible for what you publish, and a company’s own review process still applies.
Good to know
- Checks cost no credits. Full checks have a generous free limit per piece and per day; past it, the Basic check keeps running. See Free checks and daily limits.
- TrueTone fixes what it wrote and advises on what you wrote. If a draft TrueTone wrote breaks a rule, the draft comes back already fixed. When your own edit draws a flag, TrueTone tells you and offers a fix, and never changes your words on its own.
- Rules come with their source. Most flagged lines have a “Why?” link that quotes the rule and links to it.