source:
  type: regulation
  id: reg-n-1014.5
  authority: 12 CFR §1014.5 — Recordkeeping requirements (Regulation N / Mortgage Acts and Practices Rule,
    CFPB)
  description: 'Regulation N §1014.5 imposes a 24-month recordkeeping requirement on persons subject to
    the MAP Rule for evidence of compliance with mortgage-advertising commercial communications, covering
    ad copy, materials substantiating claims, and contact information for substantial-assistance providers.

    '
obligations:
- id: reg-n-1014.5-full
  canonical_id: reg-n-1014.5-full
  section: 12 CFR §1014.5
  description: '&#xA7; 1014.5 Recordkeeping requirements.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.5(a)
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: '&#xA7; 1014.5 Recordkeeping requirements.'
    drafter_attestation: Verbatim subsection of CFR §1014.5 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.5-a
  canonical_id: reg-n-1014.5-a
  section: 12 CFR §1014.5(a)
  description: '(a): (a) Any person subject to this part shall keep, for a period of twenty-four months
    from the last date the person made or disseminated the applicable commercial communication regarding
    any term of any mortgage credit product, the following evidence of compliance with this part: (1)
    Copies of all mate…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.5(a)
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: '(a) Any person subject to this part shall keep, for a period of twenty-four months
      from the last date the person made or disseminated the applicable commercial communication regarding
      any term of any mortgage credit product, the following evidence of compliance with this part: (1)
      Copies of all materially different commercial communications as well as sales scripts, training
      materials, and marketing materials, regarding any term of any mortgage credit product, that the
      person made or disseminated during the relevant time period; (2) Documents describing or evidencing
      all mortgage credit products available to consumers during the time period in which the person made
      or disseminated each commercial communication regarding any term of any mortgage credit product,
      including but not limited to the names and terms of each such mortgage credit product available
      to consumers; and (3) Documents describing or evidencing all additional products or services (such
      as credit insurance or credit disability insurance) that are or may be offered or provided with
      the mortgage credit products available to consumers during the time period in which the person made
      or disseminated each commercial communication regarding any term of any mortgage credit product,
      including but not limited to the names and terms of each such additional product or service available
      to consumers.'
    drafter_attestation: Verbatim subsection of CFR §1014.5 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.5-b
  canonical_id: reg-n-1014.5-b
  section: 12 CFR §1014.5(b)
  description: '(b): (b) Any person subject to this part may keep the records required by paragraph (a)
    of this section in any legible form, and in the same manner, format, or place as they keep such records
    in the ordinary course of business. Failure to keep all records required under paragraph (a) of this
    section shal…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.5(a)
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (b) Any person subject to this part may keep the records required by paragraph (a)
      of this section in any legible form, and in the same manner, format, or place as they keep such
      records in the ordinary course of business. Failure to keep all records required under paragraph
      (a) of this section shall be a violation of this part.
    drafter_attestation: Verbatim subsection of CFR §1014.5 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
