UDAAP violations don’t always start with a major misstep. They begin with subtle oversights. A misleading phrase here. A vague disclosure there.
Left unaddressed, these small issues can escalate quickly, undermining consumer trust, slowing down campaigns, and putting your organization at risk for regulatory scrutiny or reputational damage.
That’s why we’re excited to announce major updates to our proprietary UDAAP compliance rulebooks. Our goal? To help compliance and marketing teams detect risk early, act faster, and maintain consumer trust and loyalty.
What makes our UDAAP rulebooks different?
PerformLine’s compliance rulebooks are curated libraries of terms and phrases used to automatically flag potential marketing violations across digital channels. Think of them as the engine behind automated compliance monitoring. Read more about our rulebooks here.
Unlike static checklists or generic keyword libraries, our UDAAP rulebooks are dynamic, comprehensive, and built with real-world use cases in mind.
With over 1 billion observations across the PerformLine platform, we’ve witnessed how marketing compliance evolves as language, tactics, and channels shift. UDAAP, in particular, remains one of the most complex regulations to monitor—broadly defined and constantly changing.
Take a phrase like “guaranteed approval” or ”risk-free.” While they may seem like strong marketing language, they can also imply deceptive outcomes under UDAAP.
Each rulebook includes thousands of precisely curated terms tied to deceptive marketing tactics, consumer complaint trends, and regulatory language, so your team can spot problematic language before it impacts your customers or your credibility.
Updates to our UDAAP rulebooks
We’ve rolled out major upgrades to help teams monitor more efficiently and take action faster, including:
- 3,500+ new terms and phrases that reflect today’s deceptive marketing tactics, including “dark patterns”
- Smarter detection logic that delivers more accurate results, helping teams prioritize what matters most
The result? More coverage, fewer distractions, and faster identification of actual compliance risk.
Built on regulatory intelligence, industry data, and client feedback
PerformLine doesn’t build rules in a vacuum. Our UDAAP rulebooks are informed by a combination of:
- Regulatory enforcement actions from the CFPB, FTC, OCC, and state AGs
- Consumer complaint data, including trends from the CFPB’s complaint database
- Client and community feedback from compliance and marketing teams across industries
- AI and natural language processing to surface emerging risks and variations in deceptive phrasing
And while automation drives speed, every rule is validated against a vast library of real-world marketing assets and reviewed by compliance experts before it reaches our clients.
The impact of enhanced UDAAP monitoring
Clients using the updated UDAAP rulebooks have already seen measurable results:
- Expanded visibility into previously unmonitored or high-risk assets
- Faster issue detection and resolution, saving teams hours of manual review
- Greater efficiency, especially for organizations managing high content volumes or large partner networks
For marketing teams, the benefits are just as tangible: clearer guidance, quicker reviews, and fewer revision cycles so campaigns get to market faster, with confidence.
If you’re a current client, reach out to your CSM
Connect with your Client Success Manager to review the latest enhancements and ensure you’re fully covered. With thousands of new terms and improved logic, there’s a lot more your rulebooks can do for you.
If you’re not using PerformLine, schedule a demo
Managing UDAAP compliance manually just isn’t scalable anymore. Automated rulebooks give your team the clarity, speed, and oversight needed to reduce risk and support growth.
Request a demo to see how PerformLine can help you improve compliance coverage, streamline reviews, and protect consumer trust.
PerformLine 
Gianna Kennedy 