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All states · Filled 2026-09-17

Wyoming mortgage advertising rules

Reference only

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

Regulating agency

Wyoming Division of Banking

Last verified 2026-09-17.

Wyoming Division of Banking. the statute refers throughout to the Commissioner (of Banking).

NMLS and license display: Conjunctive and disjunctive elements.

Governing statute and administrative code

Last verified 2026-09-17.

  • [STATUTE] Wyo. Stat. §§ 40-23-101 through 40-23-133. Wyoming Residential Mortgage Practices Act.
  • [REGULATION] *Rules and Regulations of the Commissioner, Residential Mortgage Practices Act*. Chapters 1 through 5:
  • Ch. 1. General Matters and Definitions (Authority, Definitions, Filing, Computation of Time, Rules of Construction, Records)
  • Ch. 2. Mortgage Lender/Broker Licensing; Surety Bond; Prepayment Penalty Disclosure Form
  • Ch. 3. Loan Originator Licensing; Fees; Information Challenge
  • Chs. 4 and 5. further licensing/administrative matters
  • Second regime: Wyoming administers the Uniform Consumer Credit Code (Wyo. Stat. tit. 40, ch. 14) for consumer lenders. NOT VERIFIED. Did not retrieve the UCCC advertising provisions and make no claim about them. This is the most significant open item for Wyoming.

License and NMLS ID display

Verified

Statute. Guidance is not law.

Last verified 2026-09-17.

Required by statute. SINGLE-ELEMENT (the unique identifier only).

"The unique identifier of any person originating a residential mortgage loan shall be clearly shown on all residential mortgage loan applications forms, solicitations or advertisements, including business cards or websites and any other documents as established by rule of the commissioner." — Wyo. Stat. §40-23-133 [STATUTE] (section title: "Unique identifier; rulemaking")

Structurally near-identical to Vermont's 8 V.S.A. §2244(a). Wyoming requires no company name, no license number in addition to the unique identifier, and no NMLS Consumer Access link. Contrast Virginia (name + "NMLS ID #" + number + Consumer Access URL), Washington (name + license number + link), and Texas (name + NMLS ID + website + originator name + originator NMLS ID).

Conjunctive/disjunctive: neither. one element.

Note the delegation: "and any other documents as established by rule of the commissioner." The rulemaking hook exists but has not been exercised for advertising. see §7.

Prohibited claims

Verified

Statute. Guidance is not law.

Last verified 2026-09-17.

No dedicated advertising statute and no enumerated superlative or magic-word ban. The only advertising-touching prohibitions:

"(vi) Engage in any misrepresentation in connection with a residential mortgage loan;" "(viii) Make any false promises likely to influence or persuade, or pursue a course of misrepresentations and false promises through agents, solicitors, advertising or otherwise;" "(ix) Misrepresent, circumvent or conceal any of the material particulars or the nature thereof, regarding a transaction to which it is a party;" — Wyo. Stat. §40-23-117(a) [STATUTE] ("Prohibited practices")

Attaches to: false *promises* and a *course* of misrepresentation. Paragraph (viii) is notably weaker than a plain falsity standard. "pursue a course of misrepresentations" suggests a pattern requirement, and "false promises" is narrower than "false statements." A single inaccurate rate claim may be easier to reach under (vi) or (ix) than under (viii).

No ban on "lowest," "best," "cheapest," "guaranteed," "pre-approved," "free," "no cost," or government affiliation was found anywhere in ch. 40-23 or the Commissioner's rules.

Rate advertising

Not yet verified

Last verified 2026-09-17.

NOT VERIFIED. no state-specific rate-advertising requirement found. There is no "actually available" provision, no APR-prominence rule, and no rate-sheet retention requirement in ch. 40-23.

The only rate-adjacent provision is a lock-in confirmation requirement, which governs the agreement, not the advertisement:

"(x) Enter into any agreement, with or without the payment of a fee, to fix in advance a particular interest rate or other term in a residential mortgage loan unless written confirmation of the agreement is delivered to the borrower." — Wyo. Stat. §40-23-117(a)(x) [STATUTE]

Ad filing, prior approval, retention

Verified

Statute. Guidance is not law.

Last verified 2026-09-17.

  • No filing or prior approval required.
  • No advertising-retention requirement.
  • The general records rule is short and has an unusual period:

> "(a) Every licensee shall maintain records in conformity with generally accepted accounting principles in a manner that will enable the commissioner to determine whether the licensee is complying with the provisions of this act. The recordkeeping system of a licensee shall be sufficient if he makes the required information available. The records need not be kept in the place of business where residential mortgage loans are made, if the commissioner is given free access to the records wherever located. The records pertaining to any loan shall be retained for the period of twenty-five (25) months from the date of loan closing." >. Wyo. Stat. §40-23-112(a) [STATUTE]

  • Rules ch. 1 §6 (Records) adds only an electronic-access requirement: if records are kept electronically, "the business examined or investigated shall provide such data or access to data in an electronic format when requested by the Commissioner."

Social media and character-limited media

None found

Last verified 2026-09-17.

None. and this is a definitive negative, not a search gap.

I downloaded the complete 21-page Commissioner's rules document (Chapters 1–5) from the Wyoming Division of Banking's own Laws and Regulation page and full-text searched it. The strings "advertis," "unique identifier," and "NMLS" return zero matches across the entire rules document. The Wyoming rules contain no advertising provisions of any kind. no content requirements, no prohibitions, no retention, no social media, no electronic-advertising guidance, and no abbreviated-disclosure accommodation.

Anything unusual

Last verified 2026-09-17.

  • Twenty-five months. §40-23-112(a) sets a 25-month retention period from loan closing. not 24, not 36, not three years. It is the only such period in this batch and will break any retention schedule built on year-multiples. (25 months is the FHA/HMDA-style "two years plus a quarter" convention, but stated in months in statute.)
  • The rules are completely silent on advertising, despite §40-23-133 expressly delegating "any other documents as established by rule of the commissioner." The delegation is unexercised. Wyoming's entire advertising regime is three statutory sentences.
  • Penalty is per-day, not per-violation. see §9. A non-compliant evergreen web page accrues daily, which inverts the usual arithmetic: a single long-running page can exceed a large per-violation cap.
  • Penalties are deposited in the county public school fund under Wyo. Const. art. 7 §5, not the agency budget.
  • Wyoming has no ad retention obligation at all, which cuts both ways: nothing to produce, but also nothing to prove compliance with in an examination.

Penalties

Verified

Statute. Guidance is not law.

Last verified 2026-09-17.

"The commissioner may impose a civil penalty upon a person who violates this act or a rule adopted or an order issued under this act in an amount not to exceed five hundred dollars ($500.00) per day for each day the violation is outstanding, plus the state's costs and expenses for the investigation and prosecution of the matter, including reasonable attorney's fees. Any penalties collected pursuant to this section shall be deposited in the public school fund of the appropriate county as required by article 7, section 5 of the Wyoming constitution." — Wyo. Stat. §40-23-121 [STATUTE] ("Civil penalties")

Criminal exposure under §40-23-122 includes fines referenced at $10,000 and $25,000 levels; Retrieved the section's structure but not each element cleanly, so the criminal penalty tiers are NOT VERIFIED and should not be published from this batch.

License suspension (not to exceed six months) or revocation is available under §40-23-118 where "the licensee violated any provision of this act or any rule or order validly promulgated by the commissioner."

Sources

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