The Credit Special Ad Category applies to ads promoting credit card offers, auto loans, personal and business loan services, mortgage loans, and long-term financing, requiring advertisers in these areas to apply the designation and accept associated targeting restrictions.
This analysis describes what Meta's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision defines the scope of the Credit Special Ad Category, establishing that a broad range of consumer and commercial lending products trigger the mandatory designation. Financial services advertisers must assess whether their specific product types fall within this definition to maintain compliance with both Meta's policy and the Equal Credit Opportunity Act.
Under this provision, consumers who may be targeted with credit product advertising on Meta platforms will be reached through campaigns that operate under restricted targeting parameters, preventing advertisers from excluding or including audiences based on age, gender, zip code, and certain interest signals in the credit advertising context.
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"Select Credit if your ads promote or directly link to a credit opportunity, including credit card offers, auto loans, personal or business loan services, mortgage loans and long-term financing.Excerpt from Meta's Special Ad Category Requirements
(1) REGULATORY LANDSCAPE: This provision directly engages the Equal Credit Opportunity Act and Regulation B, which prohibit discrimination in credit advertising based on race, color, religion, national origin, sex, marital status, age, or receipt of …
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This provision defines the scope of the Credit Special Ad Category, establishing that a broad range of consumer and commercial lending products trigger the mandatory designation. Financial services advertisers must assess whether their specific product types fall within this definition to maintain compliance with both Meta's policy and the Equal Credit Opportunity Act.
Under this provision, consumers who may be targeted with credit product advertising on Meta platforms will be reached through campaigns that operate under restricted targeting parameters, preventing advertisers from excluding or including audiences based on age, gender, zip code, and certain interest signals in the credit advertising context.
ConductAtlas has identified this type of provision across 148 platforms. See the full comparison.
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