The marketing rule library

This guide is part of the User Guides collection. It covers the Rulebook tab under Marketing. For submitting, reviewing and sweeping, see the Marketing compliance guide. For the rules a partner sees before submitting, see The partner portal, for partners.

Marketing compliance is an optional module. If you do not see Marketing in the left navigation, ask your Coverbase account team to turn it on.

A rule is one check an asset must pass: a required disclosure, a forbidden claim, a trigger term that needs its companions, a brand rule, or a general UDAAP rule. Rules ship in rulebooks, one per regulation or standard. A program applies the rulebooks you pick for it, and each rule runs only on the product types and channels it is scoped to. Every flag records the rule and the rulebook version that raised it, which is what the exam packet’s sign-off lists. The mistake people make most often is trying to edit a library rule. Library rulebooks are read-only. To change a rule, fork the rulebook, then edit your copy and assign the copy to your programs. See Forking and versions.

The Rulebook tab

Open Marketing, then Rulebook. Rulebooks are grouped, each with its rule count and the product types it applies to. A library rulebook reads Library · vN; your fork reads Yours · vN. The views All and Enabled switch between every rule and the rules switched on. The search box matches rule names and citations. Each rule row shows Rule, Citation, Checked By (Pattern, AI or Pattern + AI), Severity and On/Off. Click a row to open the rule.

What ships

Eight rulebooks. Severity is the rule’s default; a flag carries it.

FDIC Part 328 Subpart B

How a non-bank may describe deposit insurance, and the bank it must name when it does. Applies to every product type.

Rule	What it checks	Citation	Severity	Checked by
Bank named wherever deposit insurance is mentioned	Every mention of the FDIC or deposit insurance names your bank within 60 words, so a consumer reading only that view knows which bank holds the deposits	12 CFR 328.102	High	Pattern + AI
Pass-through insurance language is accurate	Insurance is described as coverage of deposits held at your bank through the partner, never as coverage of the partner	12 CFR 328.102, 12 CFR 330.5	High	AI
”Not a bank” statement present and placed	The asset says the partner is not a bank and that banking services are provided by your bank, on the page or screen itself	12 CFR 328.102(b), FTC Act section 5	High	Pattern + AI
No “bank” in the partner’s name, URL or product name	No product name, brand, URL or headline presents the partner as a bank	12 CFR 328.102(b)(1)	High	AI
Non-deposit products carry the three-part disclaimer	An investment, crypto or rewards-in-stock product offered beside a deposit product says it is not FDIC insured, not a deposit, and may lose value	12 CFR 328.102(b)	High	AI
No safety absolutes	No claim that funds are 100% safe, risk-free, guaranteed or protected against all risks	FTC Act section 5, Dodd-Frank section 1031, DFPI v. Yotta (2026)	High	Pattern + AI
Insurance limits stated correctly	A stated amount is $250,000 per depositor, per insured bank, per ownership category, and a higher amount is explained by a sweep program	12 CFR 330	Medium	AI
Stablecoins never described as insured or government-backed	A stablecoin or crypto balance is not presented as insured or as safe as a deposit (crypto programs)	GENIUS Act section 4 (2025)	High	Pattern + AI

Reg DD deposit advertising

What an advertisement for a deposit account must say when it states a rate, a bonus or that the account is free. Applies to deposit programs.

Rule	What it checks	Citation	Severity	Checked by
A stated rate is labeled APY	A rate of return is stated as an annual percentage yield, not as bare interest	12 CFR 1030.8(b)	High	Pattern + AI
APY companions present: as-of date, variable-rate statement, minimum balance	Where an APY appears, the same view gives the as-of date, says the rate is variable if it is, and states the minimum balance. Runs only on text that states an APY	12 CFR 1030.8(c)	High	Pattern + AI
No “free” or “no fees” where a fee can apply	The account is not called free or no-fee when a maintenance or activity fee can apply, judged against the program’s approved claims	12 CFR 1030.8(a)	High	Pattern + AI
Bonus and promotional terms adjacent to the offer	A bonus or promotional rate states eligibility, dates, the minimum deposit and how long it must stay, and when it is paid, in the same view	12 CFR 1030.8(d)	Medium	AI

Reg Z credit advertising

Trigger terms, required disclosures and approval claims for credit cards, loans and buy-now-pay-later.

Rule	What it checks	Citation	Severity	Checked by
Open-end trigger terms are accompanied by the required disclosures	A stated periodic rate, APR or fee amount on a credit card is accompanied by the open-end disclosures in the same view	12 CFR 1026.16	High	AI
Closed-end trigger terms are accompanied by the required disclosures	A down payment, payment amount, number of payments, repayment period or finance charge on a loan or installment plan is accompanied by the closed-end disclosures	12 CFR 1026.24	High	AI
”No interest” and “0% APR” statements trigger disclosures too	A no-interest or 0% statement says how long the promotion lasts and what applies after it	12 CFR 1026.16(b), 1026.24(d)	High	Pattern + AI
”Subject to credit approval” wherever the card or loan is offered	The phrase appears on website, app store, email, paid ad, print, in-app and affiliate assets	Program requirement; 12 CFR 1026.16	Medium	Pattern
No “instant approval” or “guaranteed approval”	No claim that approval is instant, guaranteed, or without a credit check	FTC Act section 5, 12 CFR 1002.4(b)	High	Pattern
Prescreened offers carry the FCRA opt-out notice	A prescreened or pre-approved offer in email or print carries the short notice and the opt-out number (credit card and loan programs)	15 U.S.C. 1681m(d), 12 CFR 1022.54	High	AI

Reg E prepaid and payments

Fee disclosure timing, account naming and speed claims for prepaid cards and payment products.

Rule	What it checks	Citation	Severity	Checked by
Prepaid short-form fee disclosure shown before enrollment	The short-form fee disclosure appears before the consumer is asked for personal information, on website, app store and in-app assets	12 CFR 1005.18(b)	High	AI
Prepaid cards never called a bank account, checking account or savings account	A prepaid card or stored-value balance is not described as a bank, checking or savings account	FTC Act section 5, 12 CFR 328.102	High	Pattern + AI
Funds-availability and transfer-speed claims match the product	An “instant”, “immediately” or “same day” claim matches the timing in the program’s approved claims (payments, earned wage access, prepaid, deposit and debit card programs)	FTC Act section 5, Regulation CC	Medium	AI

Visa brand standards

The issuing statement and mark treatment Visa requires of a co-branded card. Applies to debit card, credit card and prepaid programs whose network is Visa.

Rule	What it checks	Citation	Severity	Checked by
Issuing statement present and exact for this bank and Visa	Wherever the card is shown or named, the exact issuing statement for your bank and Visa appears	Visa Product Brand Standards (September 2025); program agreement	High	Pattern + AI
Visa mark at least as prominent as the partner’s and the bank’s marks	On card art and visual assets, the Visa mark is at least as prominent as the other marks. Needs the screenshot	Visa Product Brand Standards (September 2025)	Medium	AI
Full product name on first prominent mention with the registration mark	The first prominent mention uses the full product name with the registration mark	Visa Product Brand Standards (September 2025)	Low	AI

Mastercard brand standards

The issuing statement and card-face requirements Mastercard sets for a co-branded card. Applies to debit card, credit card and prepaid programs whose network is Mastercard.

Rule	What it checks	Citation	Severity	Checked by
Issuing statement present and exact for this bank and Mastercard	Wherever the card is shown or named, the issuing statement for your bank and Mastercard appears	Mastercard Brand Standards; program agreement	High	Pattern + AI
”Debit” on the card face when the Mastercard logo appears	Debit card art shown with the Mastercard logo carries the word “Debit”. Needs the screenshot	Mastercard Brand Standards	Medium	AI

Endorsements, email and SMS

FTC endorsement disclosures, CAN-SPAM and TCPA elements. Applies to every product type.

Rule	What it checks	Citation	Severity	Checked by
Paid or incentivized endorsements disclose the relationship next to the claim	A creator post, testimonial or referral asset on social, video or affiliate channels discloses payment, free product or commission close to the claim	16 CFR 255.5 (2023)	High	AI
Testimonials are from bona fide users and carry the typical-results qualifier	A quoted result is presented as that person’s experience, with what a typical consumer should expect	16 CFR 255.2, 16 CFR 465 (2024)	Medium	AI
Email carries the sender’s physical address and a working unsubscribe	A marketing email carries a postal address and an unsubscribe mechanism	16 CFR 316 (CAN-SPAM)	Medium	Pattern
SMS carries opt-out instructions and message-rate language	A marketing text says how to stop and that message and data rates may apply	47 CFR 64.1200 (TCPA), CTIA Messaging Principles	Medium	Pattern

UDAAP general

Unfair, deceptive or abusive claims that any channel can carry. Applies to every product type.

Rule	What it checks	Citation	Severity	Checked by
No absolute claims without substantiation	Superlatives and absolutes about rates, fees, speed, security or ranking are substantiated in the same view	Dodd-Frank section 1031, FTC Act section 5	Medium	Pattern + AI
No implied government, regulator or celebrity affiliation	No seal, regulator name or public figure implies an endorsement or affiliation that does not exist	FTC Act section 5, 12 CFR 328.102	High	AI
Comparison claims name the comparison basis and date	A comparison with other providers or the national average names what was compared, the source and the date	FTC Act section 5	Low	AI
Claims match the program’s approved claims list	Every factual claim matches the program’s Approved Claims; a new, contradicting or differently-stated claim is flagged	Program agreement	Medium	AI

Pattern checks and AI checks

Each rule is checked one of three ways, shown under Checked By.

Mode	How it runs	When it flags
Pattern	A deterministic phrase check, run in the request when a submission or capture lands, so the review opens with these flags already on it	The text fails the pattern. No model is involved.
AI	An instruction run against the text, and the screenshot where the rule needs it, within minutes of the submission	The model finds a break and quotes the passage, with reasoning, a suggested fix and a confidence
Pattern + AI	Both	Either

A pattern is one of three kinds:

A required phrase must appear: one of the listed phrases has to be in the text.
A forbidden phrase must not appear: none of the listed phrases may be in the text.
A trigger phrase needs its companion nearby: wherever a trigger phrase appears, a companion phrase has to appear within a set number of words. The rule drawer reads within N words of the companions.

Some patterns run only when the text mentions a scope phrase, shown as only when the text mentions in the drawer. The APY companions rule, for example, stays quiet on a page that states no rate. Phrases and instructions never carry a bank’s wording. A rule names {bank_name}, {partner_name}, {program_name} or {network_name}, and the program’s Approved Language fills them in when the rule runs. That is why the same library rule checks each program for its own issuing statement. A pattern flag carries High confidence. An AI flag carries the model’s confidence, and Low confidence, quote not located when the quote the model returned is not in the text; the flag is kept so the reviewer sees the claim, and nothing is highlighted.

Forking and versions

Library rulebooks carry no organization and are the same in every workspace. They are read-only: opening a library rule shows Library rules are read-only. Fork the rulebook to edit a copy. To change a rule:

Open the rulebook and click Fork for editing. Coverbase copies every rule into a rulebook of your own, keeps a record of which library rulebook it came from, and opens the copy. The copy reads Yours · v1. If the rulebook was already forked, the button opens your existing copy.
Assign the fork to your programs with Edit program, under Rulebooks. A program that still lists the library rulebook keeps running the library’s rules.
Edit rules in the copy. Each rule’s drawer has What the rule checks (the AI instruction), Deterministic check (the pattern, which runs first), Severity, Applies to Products, Channels, Remediation text the partner sees and Sample language the partner can lift as-is. Click Save as vN.

Every save bumps the fork’s version. A flag records the version that raised it as Rule vN, so a flag raised under v3 reads as v3 after you save v4. The exam packet’s Rulebooks in force part lists each rule as it read during the period, with the dates it changed. On/Off on a rule switches it off for every program that uses the rulebook. The drawer says how many programs a rule is on for. A rule in a library rulebook can be switched off without forking.

Testing a rule

Open a rule and scroll to Test Against Text. Paste marketing copy, pick under Program whose approved language to use the program whose bank text and approved claims should fill the rule’s placeholders (or No program), and click Run check.

The rule drawer for A stated rate is labeled APY, showing its citation, Pattern + AI under Checked By, High severity, the What the rule checks instruction, a Deterministic check reading a trigger phrase needs its companion within 15 words of APY or annual percentage yield, Applies to Products reading Deposit, Remediation text the partner sees, Sample language, and a Test Against Text section with pasted copy, a program picker, the Run check button, and a result reading Pattern check ran and AI ran with one hit quoting the phrase 4.5% interest at high confidence. — A rule's drawer with the test run: the pattern ran, the AI ran, and one hit quotes the passage.

The result says Pattern check ran or Pattern check skipped (the rule has no pattern, or its scope phrase is absent), AI ran or AI skipped, and either No hits or each hit with its quote and confidence. A test changes nothing: no flag, no review, no version.

Troubleshooting

Symptom	Cause	Fix
Save rule is missing and the drawer says library rules are read-only	You opened a rule in a library rulebook	Click Fork for editing on the rulebook and edit the copy.
You edited the fork but reviews still cite the old wording	The program still lists the library rulebook, not your fork	Open the program, Edit program, and pick the fork under Rulebooks.
A rule never fires on a program	The rule is scoped to a product type or channel the program does not have, or it is switched off	Read Applies to Products and Channels in the drawer, and the On/Off column.
The issuing statement rule flags every asset	The program’s Card Issuing Statement is empty, or the Card Network is wrong	Fill the statement under Approved Language and set the network.
A test reads Pattern check skipped	The rule has no pattern, or the pasted text lacks the rule’s scope phrase	Expected. Read whether AI ran.
A flag reads Rule v2 after you saved v3	A flag keeps the version that raised it	Expected. Re-run the pre-review on the review to check the asset against v3.

Marketing compliance guide

Programs, reviews, the screenshot view, sweeps, notifications and the exam packet.

The partner portal, for partners

The rules and sample language a partner sees before submitting, and the quick check.

Detector library

Radar’s detector library, which the rulebook library is modeled on.

Permissions and roles

Who can fork and edit a rulebook.

Start here

Workspace setup

Vendors

Third-party lifecycle

Agent Governor

Assessments

Findings and obligations

Vendor intelligence

Monitoring

Marketing compliance

Risk

DORA Register

Contracts

E-signature

Documents

Workflows and automation

Dashboards and reporting

Sourcing

Internal controls

Coverbase AI

The marketing rule library

The Rulebook tab

What ships

FDIC Part 328 Subpart B

Reg DD deposit advertising

Reg Z credit advertising

Reg E prepaid and payments

Visa brand standards

Mastercard brand standards

Endorsements, email and SMS

UDAAP general

Pattern checks and AI checks

Forking and versions

Testing a rule

Troubleshooting

Marketing compliance guide

The partner portal, for partners

Detector library

Permissions and roles

​The Rulebook tab

​What ships

​FDIC Part 328 Subpart B

​Reg DD deposit advertising

​Reg Z credit advertising

​Reg E prepaid and payments

​Visa brand standards

​Mastercard brand standards

​Endorsements, email and SMS

​UDAAP general

​Pattern checks and AI checks

​Forking and versions

​Testing a rule

​Troubleshooting

​Related

Marketing compliance guide

The partner portal, for partners

Detector library

Permissions and roles

The Rulebook tab

What ships

FDIC Part 328 Subpart B

Reg DD deposit advertising

Reg Z credit advertising

Reg E prepaid and payments

Visa brand standards

Mastercard brand standards

Endorsements, email and SMS

UDAAP general

Pattern checks and AI checks

Forking and versions

Testing a rule

Troubleshooting

Related