Use case · Financial services
Financial promotions that stay fair, clear, and compliant.
Consumer-credit and investment emails must carry the right disclosures with the right prominence — representative APR, risk warnings, and cost details. RuleRun checks each send against your regime, including terms rendered inside images.
New lower rate
Northline Credit
Borrow up to £10,000
0% APR for the first 12 months
Check your rate*Representative 24.9% APR (variable). Subject to status. 18+. Northline Credit is authorised and regulated by the FCA.
Representative APR not shown with equal prominenceNorthline Credit Ltd · 40 Gracechurch St, London · Unsubscribe
Greater prominence
APR checks
<30s
Per email check
Image + HTML
What we scan
The challenge
Disclosures only count if they’re actually seen
A representative APR buried in 8px grey text, or a risk warning below the fold, fails the “fair, clear and not misleading” standard even when the words are technically present. HTML audits can’t measure prominence — RuleRun can.
What RuleRun checks
Representative APR prominence
Verify the representative APR is as prominent as any promotional rate, as CONC requires.
Triggering-term disclosures
When an ad states a rate or payment, confirm the required cost disclosures appear (Reg Z).
Risk warnings present
Check mandatory investment risk warnings such as “capital at risk” are shown and legible.
Above-the-fold warnings
Confirm key warnings are visible without scrolling in the rendered email.
Prohibited claims
Flag “guaranteed approval”, “no credit check”, and misleading benefit claims.
Approved links
Validate CTA destinations and required tracking parameters.
Rules → automation
Every financial-promotion rule maps to a check
US and UK/EU regimes phrase it differently, but the obligations reduce to disclosure, prominence, and honesty — each a rule type in RuleRun.
| Regulatory requirement | Authority | Automated by |
|---|---|---|
| Representative APR shown more prominently than any rate or incentive | FCA CONC 3.5 | Element Relative Size |
| Triggering terms require cost disclosures | US TILA / Reg Z (12 CFR 1026.24) | Required Text |
| Investment risk warning present & legible | FCA COBS 4 / MiFID II | Required Text + Text Visibility |
| Warning given sufficient prominence | FCA prominence rules (COBS 4) | Text Visible Without Scrolling |
| Fair, balanced, and not misleading | FINRA 2210 / SEC 206(4)-1 | Content Guidelines |
| No “guaranteed approval” claims | FCA CONC 3.3 | Stop Words |
Authorities link to the official regulator text where one exists. Illustrative mapping — not legal advice. Exact obligations vary by jurisdiction.
Representative APR, greater prominence
The FCA requires the representative APR to be shown with greater prominence than any promotional rate or incentive relating to the cost of credit. Shrinking it into a footnote is one of the most commonly enforced failures — a measurement problem our Element Relative Size rule solves directly.
In substance, FCA CONC 3.5 requires the representative APR to be given greater prominence than any rate of interest or incentive relating to the cost of credit.
Evidence for every finding
Every run documents the measured value against your threshold with an annotated screenshot — audit-ready for the FCA or your internal review.
- Representative APR at 45% of promotional-rate size
- Required representative example incomplete
- No prohibited “guaranteed approval” language
- CTAs resolve to approved domains
Email Compliance Report
Automated assessment · Confidential
Generated · just now
Report ID · F1A5B8C3
Assessment summary
Email subject
0% APR for 12 months
Rule set
Consumer Credit (FCA CONC 3)
Rules assessed
5
Violations
2
Rule-by-rule assessment (5 rules)
The representative APR must be more prominent than the promotional rate.
Representative APR more prominent than the promotional rate
Detected representative APR at 45% of the “0% APR” headline
“Representative 24.9% APR (variable).”
The required representative example is incomplete.
No “guaranteed approval” or “no credit check” language.
No misleading benefit claims detected.
All calls-to-action resolve to northline.co.uk.
Generated automatically by RuleRun · Review by a qualified compliance officer before any regulatory decision · Report ID F1A5B8C3
Frequently asked questions
Yes. Element Relative Size compares the height of the representative APR to the promotional rate and fails below your ratio.
You configure the rules, so it adapts to Reg Z, FCA CONC/COBS, FINRA, or your own policy. It automates checks, not legal advice.
We render and OCR the creative, so disclosures baked into banners are checked and measured like HTML text.
Yes. Content Guidelines applies AI review for balance and misleading benefit claims; Stop Words catches banned phrases.
Trigger via the API or a no-code email address from your workflow. See the API docs for details.
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