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All states · Filled 2026-09-17

Alaska mortgage advertising rules

Reference only

Adline flags phrases that match cited rules. It does not certify that Alaska marketing is compliant. We flag and cite. We never certify. This is not legal advice. Whether a rule reaches you depends on your license type. Federal Reg Z and Reg N still apply.

Reference only. Alaska rules are written down here. The engine does not scan for them yet. The engine cites Washington, Arizona, and Idaho only.

Regulating agency

Alaska Department of Commerce, Community, and Economic Development, Division of Banking and Securities.

Last verified 2026-09-17.

Alaska Department of Commerce, Community, and Economic Development, Division of Banking and Securities. [OFFICIAL. commerce.alaska.gov]

NMLS and license display: Conjunctive and disjunctive elements.

Governing statute and administrative code

Last verified 2026-09-17.

  • Alaska Statutes Title 6, Chapter 60. Mortgage Licensing (Mortgage Lending Regulation Act), AS 06.60.010 *et seq.* [STATUTE]
  • 3 AAC 14. Mortgage Lending [REGULATION]; advertising is in Article 7 (Business Duties and Restrictions), 3 AAC 14.510.

License and NMLS ID display

Verified

Statute. Guidance is not law.

Last verified 2026-09-17.

REQUIRED. AS 06.60.325 [STATUTE] [REPRODUCTION. Justia]:

"shall clearly display the unique identifier assigned to the person by the registry on all residential mortgage loan application forms, solicitations, and advertisements, including business cards or websites"

Binds mortgage lenders, mortgage brokers, and mortgage loan originators alike.

Conjunctive/disjunctive: Media list is conjunctive ("application forms, and ... solicitations, and advertisements"). Content: unique identifier.

Name also required, by regulation. 3 AAC 14.510(2) [REGULATION]. misleading advertising includes failing to clearly and conspicuously disclose the complete name of the licensee or the registered depository institution, together with required identifiers. PARAPHRASE. NOT VERBATIM. The exact conjunctive structure of 3 AAC 14.510(2) (whether name and identifier are both required, and whether "or the registered depository institution" is an alternative subject rather than an alternative disclosure) must be re-pulled verbatim from the official Alaska Administrative Code before this row is relied on. My retrieval was from Cornell LII in summarized form.

Prohibited claims

Verified

Statute. Guidance is not law.

Last verified 2026-09-17.

AS 06.60.320 [STATUTE] [REPRODUCTION. Justia]:

"A person may not advertise ... in any manner a statement or representation with regard to the rates, terms, or conditions for a mortgage loan that is false, misleading, or deceptive."

What it attaches to: expressly limited to rates, terms, or conditions. not all claims.

3 AAC 14.510 [REGULATION] additionally treats as misleading/unfair/deceptive (PARAPHRASE. NOT VERBATIM, re-pull required): (1) a representation of fact that is false or misleading or lacks a reasonable factual basis; (3) use of an address where the licensee does not actually conduct mortgage activities; (4) advertising that deceives as to the sender's identity, urgency, or enclosed materials; (5) advertising programs violating federal Reg X; (6) misrepresenting loan terms/conditions/charges, including advertising offers not actually available or concealing credit limitations; (7) advertising in violation of applicable federal regulations.

No express ban located on "lowest," "best," "cheapest," "guaranteed," "pre-approved," "free," or "no cost" as words. The (1) "reasonable factual basis" prong is the operative hook for superlative claims. a substantiation standard, not a word ban.

Rate advertising

None found

Regulation. Guidance is not law.

Last verified 2026-09-17.

No Alaska-specific APR/lock/"subject to change" mandate located beyond the federal baseline. The closest is 3 AAC 14.510(6)'s prohibition on advertising terms not actually available. Anything further: NOT VERIFIED.

Ad filing, prior approval, retention

Verified

Regulation. Guidance is not law.

Last verified 2026-09-17.

No regulator filing or prior approval. 3 AAC 14.420(a)(5) requires "a copy of advertising that references the mortgage licensee's or the registered depository institution's business or that was paid for by the mortgage licensee or the registered depository institution." 3 AAC 14.420(b): "Documents required to be maintained under (a)(5) - (11) of this section must be maintained for three years after the date the document is created unless a longer retention period is otherwise required by law." Retrieved 2026-09-17 from Cornell LII reproduction of 3 AAC 14.420. https://www.law.cornell.edu/regulations/alaska/3-AAC-14.420

Social media and character-limited media

None found

Statute. Guidance is not law.

Last verified 2026-09-17.

NOT VERIFIED. No Alaska guidance or abbreviated-disclosure accommodation located. AS 06.60.325 expressly reaches "websites."

Anything unusual

Last verified 2026-09-17.

  • The "lacks a reasonable factual basis" prong (3 AAC 14.510(1)) makes Alaska a substantiation state: a superlative that is literally true but unsupported by retained substantiation is exposed. Build substantiation files, not just word filters.
  • Address-integrity rule (3 AAC 14.510(3)): using a mail-drop or a corporate-HQ address where no licensed mortgage activity occurs is independently a violation. This bites national lenders using a single masthead address in state-targeted ads.

Penalties

None found

Statute. Guidance is not law.

Last verified 2026-09-17.

NOT VERIFIED. AS 06.60.370 is titled "Criminal penalties" but Did not retrieve its text; Did not retrieve the civil/administrative penalty provision. Do not state an Alaska penalty amount without re-pulling.

Sources

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Sources

Last verified 2026-09-17. Official means the legislature, the official administrative-code publisher, or the regulator. Reproduction is not the official publisher.