Two things we find almost every time. First, a triggering term — a downpayment amount, a number of payments, a monthly payment figure, “0% APR” — sits in the creative with none of the Regulation Z additional disclosures those terms require, and without the toll-free number the TV alternative-disclosure exemption would let you state instead. Second, the “funded account” pixel actually fires at application start, not at funding, so the cost-per-funded-account on the dashboard is really cost per application and reads far better than reality.