Real Estate Facebook & Instagram Ads Compliance Hub
Every answer page covering RESPA, TRID, MAP Rule, Fair Housing, Meta’s Special Ad Category, co-marketing, disclosures, and state rules. Filter by topic, state, or audience.
Walled Garden separates billing per user, so a loan officer or title rep never pays for, pools, or reimburses an agent’s ad spend — a structural control that supports RESPA-conscious co-marketing. Whether a specific arrangement complies with RESPA depends on the services exchanged and their value; this is general information, not legal advice.
State-specific answer pages launching soon for TX, FL, NY, AZ, and IL.
10 answers
Meta Special Ad Category Compliance
How do real estate agents stay compliant with Meta's Special Ad Category?
Declare Housing on every ad, force a 15-mile minimum radius, strip protected-class targeting, and use Custom Audiences from first-party data instead of lookalikes.
Fair Housing Compliance for Meta Ads
How do you make Facebook and Instagram ads fair-housing compliant?
Housing Special Ad Category declaration, protected-class-free targeting and creative, and the Equal Housing Opportunity disclosure on every housing ad.
Loan Officer Facebook Ads Compliance
How can loan officers run compliant Facebook and Instagram ads?
Credit Special Ad Category, NMLS ID and Equal Housing Lender disclosures, TRID triggering-terms handling, and RESPA-conscious co-marketing billing.
Agent–Lender Co-Marketing Rules
What are the rules for agent and lender co-marketing on Facebook?
Each party pays its fair market value share directly to Meta — no reimbursements, no fixed monthly fees, no costs tied to referral volume.
Required Disclosures for Real Estate Meta Ads
What disclosures must real estate Facebook and Instagram ads include?
Agent license number, supervising brokerage, Equal Housing Opportunity, and — for LO co-marketing — NMLS IDs and Equal Housing Lender.
RESPA and Facebook Advertising
Are Facebook ads allowed under RESPA?
RESPA permits Meta advertising when ad spend stays separate from settlement services and no party pays for another party's ads to secure referrals.
Title Company Facebook Ads Compliance
Can title companies run Facebook ads?
Title companies can advertise their own brand. They cannot pay for agent advertising without triggering RESPA Section 8 concerns.
Ad Spend Separation Explained
How do you separate ad spend from settlement services?
The party benefiting from the advertising pays Meta directly via their own payment method — no reimbursements, no bundled fees, no co-mingled funds.
Facebook Ads for Mortgage Companies
Can mortgage companies advertise on Facebook?
Mortgage companies can advertise under Meta's Credit Special Ad Category with proper NMLS, Equal Housing Lender, and RESPA-conscious billing structure.
California Real Estate Advertising Compliance
How do you advertise compliantly in California?
California requires DRE license disclosure, truthful claims, and fair housing compliance. Title and mortgage companies must keep RESPA-conscious billing separation.
Ship compliant Meta ads by default
Walled Garden HQ enforces Special Ad Category, RESPA-conscious billing, NMLS and EHO disclosures, and state-specific rules before an ad can launch.
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