Compliance Center
Direct Mail Disclosures on Credit Mailers
The disclosures a prescreened credit mail piece must carry — and why format matters as much as content.
More than an ad
A prescreened credit mailer is not just an advertisement — it is a firm offer of credit, and the FCRA requires specific disclosures on the piece itself. Those disclosures make the offer transparent and give the consumer a clear, standardized way to opt out of future prescreened offers.
What a compliant mail piece carries
- Firm-offer language stating the consumer was selected for a genuine offer of credit.
- The prescreen opt-out short notice — prominent, on the first page — plus the longer notice.
- The toll-free opt-out number (1-888-5-OPT-OUT) and address.
- That information from a credit report was used and that the consumer met the criteria.
- Any material terms or conditions of the offer that are required to be disclosed.
Format is part of compliance
Regulation V specifies a layered “short notice / long notice” format with rules on prominence and type size. A notice that is missing, buried, or too small is one of the more common prescreen compliance failures. Soft Pull Mailers builds the required disclosures into every mail piece by design, in the prescribed format.
Primary sources
Fair Credit Reporting Act, 15 U.S.C. §1681m(d) (prescreen opt-out notice); CFPB Regulation V, 12 CFR 1022.54 (content, form, and layered short/long notice, including type-size and prominence rules); and FTC guidance on prescreened solicitations.
This page is educational and is not legal advice. Confirm your program, offer terms, and disclosures with qualified counsel before you mail. Soft Pull Mailers is not a credit bureau.