Compliance Center
MAC Real Estate Services • NMLS 1133016 • DRE 01800662
5701 Lonetree Blvd, Suite 126 H, Rocklin, CA 95765
Office: 916-516-1116 • www.RocklinBroker.com
At MAC Real Estate Services, we operate with full transparency and strict adherence to all federal and state mortgage regulations. Our compliance framework protects consumers, ensures ethical practices, and maintains the highest standards of integrity.
Regulatory Standards We Follow
- RESPA Section 8
- SAFE Act
- NMLS Advertising Rules
- California DFPI & DRE Regulations
- TCPA & Do‑Not‑Call Requirements
- GLBA Privacy Standards
Allowed Marketing Activities
Marketing staff may perform the following non‑licensed activities:
- Social media content creation
- Website updates & landing pages
- CRM marketing workflows
- Email campaigns
- Paid ads (Google, Facebook, Instagram)
- Appointment scheduling (no loan discussions)
- Analytics reporting
- Brand outreach & community engagement
Prohibited Activities (Unlicensed Staff)
Marketing staff may NOT engage in:
- Discussing loan terms, rates, or programs
- Taking applications or collecting borrower financial info
- Contacting leads to solicit mortgage business
- Providing advice requiring an MLO license
- Posting mortgage rates without licensed oversight
- Representing themselves as licensed
- Receiving compensation tied to loan closings or referrals
Compensation Compliance
Allowed Compensation
- Salary
- Hourly pay
- Monthly marketing retainer
- Bonuses based on marketing output (content, campaigns, traffic, engagement)
- Appointment‑setting bonuses (not tied to closings)
Prohibited Compensation
- Commission per loan
- Percentage of loan amount
- Bonuses tied to loan closings
- Pay per referral
- Pay per lead that turns into a loan
Privacy & Consumer Protection
- GLBA privacy compliance
- Secure document handling
- No unauthorized sharing of consumer data
- Encrypted communication standards
Download Compliance Manuals
- Marketing Staff Compliance Manual (PDF)
- Expanded 2‑Page Marketing Compliance Manual (PDF)