Kansas mortgage advertising rules

License and NMLS ID display

Statute. Guidance is not law.

Last verified 2026-09-17.

Statute K.S.A. 9-2208(c). https://ksrevisor.gov/statutes/chapters/ch09/009_022_0008.html

"All solicitations and published advertisements concerning mortgage business directed at Kansas residents, including those on the internet or by other electronic means, shall contain the name and license number or unique identifier of the licensee on record with the commissioner. Each licensee shall maintain a record of all solicitations or advertisements for a period of 36 months. For the purpose of this subsection, 'advertising' does not include business cards or promotional items."

Conjunctive/disjunctive. this is a mixed structure and must be coded carefully:

• Name = mandatory (conjunctive with whatever identifier is chosen).
• License number OR unique identifier = disjunctive. either satisfies.

So the rule is: name + (license number | NMLS unique identifier). Kansas is the only state in this batch that requires the licensee's name in the ad by statute, and one of the few that lets the state license number substitute for the NMLS ID. Also note the name must be the name on record: K.S.A. 9-2208(e). "No licensee or registrant shall conduct mortgage business in this state using any name other than the name or names stated on their license or registration."

Prohibited claims

Statute. Guidance is not law.

Last verified 2026-09-17.

Statute K.S.A. 9-2208(d):

"No solicitation or advertisement shall contain false, misleading or deceptive information, or indicate or imply that the interest rates or charges stated are 'recommended,' 'approved,' 'set' or 'established' by the state of Kansas."

Statute K.S.A. 9-2212 (Prohibited acts): https://ksrevisor.gov/statutes/chapters/ch09/009_022_0012.html

• 9-2212(i): "advertise, display, distribute, broadcast or televise or cause or permit to be advertised, displayed, distributed, broadcast or televised, in any manner, any false, misleading or deceptive statement or representation with regard to rates, terms or conditions for a mortgage loan"
• 9-2212(d): "misrepresent the material facts or make false promises intended to influence, persuade or induce an applicant for a mortgage loan or mortgagee to take a mortgage loan"

Statute K.S.A. 16a-3-208 (UCCC. Advertising; prohibited conduct): https://ksrevisor.gov/statutes/chapters/ch16a/016a_003_0208.html

"(1) No person shall make, directly or indirectly, a false, misleading or deceptive advertisement regarding loans or the availability of loans. (2) No person shall advertise the size of any loan, security required for a loan, rate of charge or other conditions of lending except with the full intent of making loans at those rates, or lower rates, and under those conditions or conditions more favorable to the consumer, to loan applicants who meet the standards or qualifications prescribed."

What it attaches to: 9-2208(d) attaches to all ad content (false/misleading/deceptive) *plus* a specific ban on implying state endorsement of rates or charges. 9-2212(i) attaches specifically to rates, terms or conditions. 16a-3-208(2) attaches to size, security, rate of charge, and other conditions, with a "full intent" standard. No Kansas ban on the words "lowest," "best," "cheapest," "guaranteed," "pre-approved," "free," "no cost," or "government."

Rate advertising

Statute. Guidance is not law.

Last verified 2026-09-17.

Statute K.S.A. 9-2212(n): "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" Statute K.S.A. 16a-3-208(2) (quoted above) adds the "full intent … to loan applicants who meet the standards or qualifications prescribed" test for supervised lenders. No Kansas-specific APR or rate-lock advertising mandate beyond Reg Z was located.

Ad filing, prior approval, retention

Statute. Guidance is not law.

Last verified 2026-09-17.

No filing or prior-approval requirement. Statute K.S.A. 9-2208(c): "Each licensee shall maintain a record of all solicitations or advertisements for a period of 36 months." Unlike Iowa, Kansas does not specify the archival *format*. General records: Statute K.S.A. 9-2216. retention periods are set by rule; the clock starts on the loan closing date (or application date if not closed), or on payoff/servicing-cessation for serviced loans. K.S.A. 9-2216(g) makes it a violation to "Alter, destroy, shred, mutilate, conceal, cover up or falsify any record with the intent to impede, obstruct or influence any investigation by the commissioner". a spoliation offense that bites if ad archives are purged after an exam notice.

Social media and character-limited media

Statute. Guidance is not law.

Last verified 2026-09-17.

K.S.A. 9-2208(c) expressly covers solicitations and advertisements "on the internet or by other electronic means." The carve-out is the notable part: "For the purpose of this subsection, 'advertising' does not include business cards or promotional items." Kansas thus excludes business cards from the name/ID legend. the opposite of Illinois (where business cards are advertisements) and of Hawaii/Idaho/Kentucky/Maine (whose identifier statutes expressly name business cards). No character-limited / abbreviated-disclosure accommodation. NOT VERIFIED — no Kansas OSBC social-media guidance retrieved; OSBC publishes consolidated law/guidance books (e.g., https://osbckansas.gov/legal/guidance_2025.pdf), which Did not retrieve in full.

Penalties

Statute. Guidance is not law.

Last verified 2026-09-17.

Statute K.S.A. 9-2218(a). https://ksrevisor.gov/statutes/chapters/ch09/009_022_0018.html

• (a)(2): "that the person pay a fine not to exceed $10,000 per incident for the unlawful act or practice"
• (a)(3). elder/disabled enhancement: if the violation "is committed against elder or disabled persons, as defined in K.S.A. 50-676 … the commissioner may impose an additional penalty not to exceed $10,000 for each such violation"
• (a)(4)–(a)(7): censure; bar/suspension from applying for a license or associating with a mortgage business or supervised lender; restitution or disgorgement of profits with interest up to 8% per annum from the date of violation; other affirmative action.
• (b): emergency cease-and-desist available on written findings of irreparable public harm.