187—18.18 (17A,535B) Advertising and representations to potential borrowers.
	 18.18(1) Any advertisement of mortgage loans which are offered by or through a licensee or individual registrant shall conform to the following requirements:
	  a.   	 An advertisement shall be in compliance with Truth-in-Lending, Regulation Z, and any other applicable state and federal laws and regulations.
	  b.   	 An advertisement shall be made only for such products and terms as are actually available and, if their availability is subject to any material requirements or limitations, the advertisement shall specify those requirements or limitations.
	  c.   	 An advertisement shall not make any statement or fail to make any statement the result of which shall present a misleading or deceptive impression to consumers.
	 18.18(2) A licensee or individual registrant receiving a verbal or written inquiry about the licensee’s or individual registrant’s services shall respond accurately to any questions about the scope and nature of such services and any costs.