Effective Date: 01/01/2025

By joining the RateMatchup Network, you agree to comply with these policies and all applicable local, state, and federal laws, including consumer protection, data privacy, and lending regulations. Failure to adhere may result in termination from the network.
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1. Provider Eligibility & Requirements

To qualify as a RateMatchup network provider, you must:

• a. Business Legitimacy: Be legally registered and compliant with all applicable laws. All application information must be truthful and accurate.
• b. Experience & Licensing: Have at least one year of industry experience and hold necessary licenses (e.g., NMLS for mortgage lenders). You must comply with all relevant consumer lending, fair lending, and financial regulations.
• c. Insurance & Liability: Maintain professional and general liability insurance appropriate for your industry.
• d. Regulatory Compliance: Adhere to all applicable laws, including Truth in Lending Act (TILA), Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), and applicable state lending laws.
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2. Service & Client Relations

Providers must:

• a. Deliver transparent, professional, and timely services.
• b. Communicate promptly with clients, keeping them informed throughout the funding process.
• c. Protect client data under laws like GDPR, CCPA, and GLBA, ensuring confidentiality.
• d. Ensure fair treatment—no discrimination based on race, gender, ethnicity, or other protected classes (per ECOA and Fair Housing Act).
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3. Lead Handling & Expectations

• a. Lead Use: Leads provided by RateMatchup must only be used for their intended purpose and handled ethically and legally.
• b. Response Time: Providers must contact leads within 24 hours to maintain network standing.
• c. Lead Preferences: Specify desired lead types (home loans, business loans, etc.) and volume.
• d. Exclusivity & Quality: Providers can choose between exclusive, shared, or aged leads. Report invalid or fraudulent leads promptly.
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4. Compliance & Legal Standards

Providers must:

• a. Follow all applicable industry regulations (e.g., TILA, RESPA, FCRA, and state lending laws).
• b. Ensure marketing practices are truthful and non-deceptive, per FTC and CFPB guidelines.
• c. Obtain proper consent before contacting consumers (per TCPA and CAN-SPAM Act for telemarketing and email marketing).
• d. Maintain accurate records for compliance audits.
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5. Enforcement & Termination

a. Non-compliance may result in lead suspension, removal from the network, or legal action. RateMatchup reserves the right to update these policies as needed to comply with evolving regulations.