<?xml version='1.0' encoding='utf-8'?>
<regulation prefix="Regulation" num=".06" citation="COMAR 09.03.06.06" title_num="09" subtitle_num="03" chapter_num="06" heading="Advertising and Solicitation.">
  <paragraph num="A.">
    <text>A person may not publish, or cause to be published, any advertisement, or make or cause to be made any representation, that:</text>
    <paragraph num="(1)">
      <text>Contains any false, misleading, or deceptive statements regarding the making, brokering, or servicing of mortgage loans; or</text>
    </paragraph>
    <paragraph num="(2)">
      <text>Misrepresents terms, availability, rates, or charges incident to a mortgage loan.</text>
    </paragraph>
  </paragraph>
  <paragraph num="B.">
    <text>Licensee Name and Address.</text>
    <paragraph num="(1)">
      <text>A licensee may not advertise under any name or address other than a name or address that:</text>
      <paragraph num="(a)">
        <text>Is listed as a licensed location in NMLS; or</text>
      </paragraph>
      <paragraph num="(b)">
        <text>Has been approved by the Commissioner pursuant to COMAR 09.03.02.09A.</text>
      </paragraph>
    </paragraph>
    <paragraph num="(2)">
      <text>Notwithstanding §B(1) of this regulation, an advertisement:</text>
      <paragraph num="(a)">
        <text>Need not disclose any address of the advertiser; and</text>
      </paragraph>
      <paragraph num="(b)">
        <text>May use the trade name of a parent corporation.</text>
      </paragraph>
    </paragraph>
    <paragraph num="(3)">
      <text>Notwithstanding §B(1) of this regulation, a licensee may use an e-mail address or website address that is different from the name or website address that appears on the licensee's license, provided that the content of any e-mail correspondence, or of the website itself, uses only a name that appears on the licensee's license or has been approved by the Commissioner pursuant to [Regulation .04L of this chapter] COMAR 09.03.02.09B and is listed as a trade name on the licensee's NMLS record.</text>
    </paragraph>
    <paragraph num="(4)">
      <text>A licensee shall disclose its NMLS unique identifier in every advertisement.</text>
    </paragraph>
    <paragraph num="(5)">
      <text>Notwithstanding §B(4) of this regulation, a licensee who utilizes social media for advertising purposes need not disclose the licensee's NMLS unique identifier in each statement published through a social media platform, provided that the NMLS unique identifier is displayed prominently on the licensee's profile page within the social media platform.</text>
    </paragraph>
    <paragraph num="(6)">
      <text>A licensee is responsible for a violation of §A of this regulation even if a parent corporation's trade name is used as permitted in §B(2)(b) of this regulation.</text>
    </paragraph>
    <paragraph num="(7)">
      <text>A licensee is responsible for any advertisement disseminated by an employee of the licensee if such advertisement relates to activities performed by the licensee or by the employee in the employee's capacity as an employee of the licensee.</text>
    </paragraph>
  </paragraph>
</regulation>