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All states · Filled 2026-09-17

Indiana mortgage advertising rules

Reference only

Adline flags phrases that match cited rules. It does not certify that Indiana 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. Indiana rules are written down here. The engine does not scan for them yet. The engine cites Washington, Arizona, and Idaho only.

Source caveat: Indiana Code text below is from Justia (SECONDARY). The official host iga.in.gov is a JavaScript single-page application that returns no statutory text to a fetch, and api.iga.in.gov returned 403 x-api-key not found. Indiana Administrative Code text is from Justia Regulations (SECONDARY). Re-verify against iga.in.gov before publication.

Regulating agency

Indiana Department of Financial Institutions (DFI)

Last verified 2026-09-17.

Indiana Department of Financial Institutions (DFI). Consumer Credit Division (the "director"). (Loan brokers that are not DFI-licensed creditors fall to the Indiana Secretary of State, Securities Division; IC 24-4.4-1-202.5 and 24-4.4-1-204 provide for DFI/Securities Division coordination.)

NMLS and license display: Conjunctive and disjunctive elements.

Governing statute and administrative code

Last verified 2026-09-17.

  • Statute IC 24-4.4. First Lien Mortgage Lending Act (FLMLA). Binds creditors making first lien mortgage transactions and their MLOs.
  • Statute IC 24-4.5. Uniform Consumer Credit Code (UCCC). Binds subordinate lien mortgage transactions and consumer loans, and their MLOs.
  • Regulation 750 IAC 9. Mortgage Lenders and Originators (Rule 1 Definitions; Rule 2 General Provisions; Rule 3 Licensing of MLOs; Rule 4 Records; Miscellaneous; Rule 5 Compliance; Enforcement).

This split matters: an advertisement that covers both first and subordinate lien products is simultaneously subject to both statutory schemes.

License and NMLS ID display

Verified

Statute. Guidance is not law.

Last verified 2026-09-17.

Statute IC 24-4.4-2-405 (via Justia, SECONDARY):

"The unique identifier of any person originating a mortgage transaction must be clearly shown on all mortgage transaction application forms and any other documents as required by the director."

The parallel UCCC provision is IC 24-4.5-3-505 (same catchline: "Record keeping; use of unique identifier on forms and documents …").

Critical finding: unlike Hawaii, Idaho, Iowa, Kentucky, and Maine. all of which adopted the CSBS/AARMR model language "application forms, solicitations or advertisements, including business cards or websites". Indiana's statute omits "solicitations or advertisements" entirely. Its express reach is *application forms* plus whatever "other documents" the director requires. Conjunctive/disjunctive: a single content element (unique identifier), and its application to advertising is not on the face of the statute.

NOT VERIFIED: whether the DFI director has, by rule or order, extended the identifier requirement to advertisements. Searched IC 24-4.4 ch. 1 and ch. 2 section lists, IC 24-4.5 ch. 6, 750 IAC 9 Rules 2, 4 and 5 section lists, 750 IAC 9-4-1 (record keeping and notification requirements. retrieved; contains no mention of advertising, advertisements, or solicitations), and searched for Indiana DFI advertising guidance. No Indiana authority expressly requiring an NMLS unique identifier in a mortgage advertisement was located. Do not assert an Indiana ad-ID mandate without a direct confirmation from DFI.

Prohibited claims

Verified

Statute. Guidance is not law.

Last verified 2026-09-17.

Statute IC 24-4.5-6-107.5 (Prohibited Acts). applies to "a person or individual subject to this article" (UCCC):

  • (i): "make, in any manner, any false or deceptive statement or representation, including, with regard to the rates, points, or other financing terms or conditions for a mortgage transaction, or engage in bait and switch advertising"
  • (a): "directly or indirectly employ any scheme, device, or artifice to defraud or mislead borrowers or lenders"

Regulation 750 IAC 9-5-5 (Prohibited acts). binds licensees:

  • 9-5-5(9): "make, in any manner, a false or deceptive statement or representation, with regard to the rates, points, or other financing terms or conditions for a mortgage transaction, or engage in bait and switch advertising"

What it attaches to: the deceptive-statement prohibition is framed *around rates, points, and other financing terms or conditions*, plus a freestanding bait-and-switch ban. No express Indiana ban on "lowest," "best," "cheapest," "guaranteed," "pre-approved," "free," "no cost," or "government."

Separately, Indiana's Deceptive Consumer Sales Act, IC 24-5-0.5-3, and IC 24-9-3 (Home Loan Practices) are general-purpose backstops. NOT VERIFIED — Did not retrieve and confirm any mortgage-advertising-specific subsection of IC 24-5-0.5-3 or IC 24-9-3.

Rate advertising

Verified

Statute. Guidance is not law.

Last verified 2026-09-17.

Statute IC 24-4.5-6-107.5(e): "solicit, advertise, or enter into a contract for specific interest rates, points, or other financing terms unless the terms are actually available at the time of soliciting, advertising, or contracting" Regulation 750 IAC 9-5-5(5): "solicit, advertise, or enter into a contract for specific interest rates, points, or other financing terms unless the terms are actually available" No Indiana-specific APR-disclosure, rate-lock, or "subject to change" requirement beyond Reg Z was located.

Ad filing, prior approval, retention

Verified

Statute. Guidance is not law.

Last verified 2026-09-17.

No filing or prior-approval requirement located. Statute IC 24-4.4-2-405 (via Justia, SECONDARY): "Records concerning any first lien mortgage transaction shall be retained for two (2) years after the making of the final entry relating to the transaction.". This is transaction-scoped and does not name advertisements. 750 IAC 9-4-1 (retrieved) contains no advertising retention. NOT VERIFIED that advertisements must be retained in Indiana; note also that the FLMLA retention floor is 2 years, shorter than the 3-year norm in this batch.

Social media and character-limited media

None found

Statute. Guidance is not law.

Last verified 2026-09-17.

NOT VERIFIED. nothing found. No Indiana statute, rule, or guidance addressing social media, texting, electronic advertising, or abbreviated disclosure in character-limited media was located. Searched: IC 24-4.4 ch. 1–2 section lists, IC 24-4.5 ch. 6, 750 IAC 9 Rules 2/4/5, and Indiana DFI advertising-guidance web searches.

Anything unusual

Last verified 2026-09-17.

  • The first-lien / subordinate-lien split (IC 24-4.4 vs. IC 24-4.5) is the Indiana trap. A single creative asset advertising both a first mortgage and a HELOC or second is governed by two statutes with separate prohibited-act lists and separate record-retention rules.
  • Indiana's unique-identifier statute does not, on its face, reach advertisements. A national compliance rule engine that assumes the CSBS model language applies in all SAFE states will mis-state Indiana law in either direction. This is the single most product-relevant Indiana finding.

Penalties

Verified

Regulation. Guidance is not law.

Last verified 2026-09-17.

750 IAC 10-2-7 Regulation [REPRODUCTION. LII], filed 3/26/2024. Base civil penalty for IC 24-4.4-2-404.4(3)(c) is $7,500. Base for IC 24-4.4-3-111(2) First Lien Mortgage Act violations is $2,500. iga.in.gov did not return the 404.4 statute body. IC 24-4.4-2-404.6 prohibits a creditor from indemnifying an individual for a civil penalty.

Sources

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