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Marketing Compliance

April 16th, 2013 9:00 AM – 4:00 PM

You must be logged in to the MDDCCUA website before you can register.  


This full-day training session will cover the most prevalent compliance issues facing marketers today - including privacy and online compliance.

Learn to avoid compliance problems by auditing your marketing campaigns:

  • What belongs in your advertisements for savings and loan products
  • Special considerations for non-deposit investment products
  • Important rules for use of the word “fixed” in relation to rates
  • What constitutes a prescreen and what requirements the credit union must adhere to


  • Advertising and the NCUA official sign for federally insured credit unions.
  • Fair Housing Act
  • Truth in Savings
  • Truth in Lending
  • Special rules for advertising sweepstakes and prizes
  • Website advertising
  • Promoting “free” products
  • The federal privacy notice

You will learn:

  • How to create an efficient advertising review policy
  • What constitutes an advertisement
  • The top 5 advertising compliance risks
  • The basics of advertising disclosures
  • How to create a bulletproof advertising checklist

Reviewing marketing materials for compliance:

  • Participants are encouraged to bring copies of their own marketing pieces for review during the program.

Who should attend?

  • Marketing and compliance professionals and other credit union professionals with responsibility for marketing.


Mary-Lou Heighes, CUCE, has been involved in the credit union movement since 1989. In addition to compliance, her areas of expertise include marketing, collections, general operations and lending. She is President of Compliance Plus, Inc., which provides compliance, training, and consulting services to credit unions.

She was the Senior Research and Information Consultant for the California/Nevada Credit Union League where she worked for 7 years answering credit union compliance and operational questions and producing bulletins for member credit unions on operational and regulatory changes. She also worked closely with the legal department on statutory changes affecting credit unions.

She has instructed at state and national conferences such as Regulatory Compliance School and written articles for Credit Union Magazine. She is the author of “Understanding Regulations,” part of CUNA’s Volunteer Achievement Program series.


8:30 a.m. - Signing in, networking, light breakfast
9:00 a.m. to 4:00 p.m. - Training
Lunch will be provided.

Tuition Reimbursement

Maryland and D.C.-based credit unions with up to $150 million in assets may be eligible for up to 75% educational reimbursement from the Credit Union Foundation of MD & DC. For details and an application, visit or contact Training Director Diane Pinter, or 443-325-0779.




MD & DC Credit Union Association
8975 Guilford Road
Suite 190
Columbia, MD 21046

Event Info


April 16th, 2013 9:00 AM – 4:00 PM


MD & DC Credit Union Association
8975 Guilford Road
Suite 190
Columbia, MD 21046


Phone: 443-325-0779

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