CreatorScore▸ Regulated industries
Influencer compliance for regulated industries. Pharma and health, financial services, crypto, insurance.
A brand in a regulated sector answers for what a creator says about its product. CreatorScore reads every caption, transcript and written post for health, financial, crypto and insurance claims, checks the creator clause by clause against four public codes that name the rule each clause considers, and tells legal what it could not assess.
By the CreatorScore team · Last updated November 3, 2026
▸ The short answer
CreatorScore checks influencer content for regulated-industry compliance in three places. Scoring classifies health claims, financial promotions, crypto promotions and insurance solicitations in captions, speech and video and shows each with its quote. The Social Background Check reads every caption, transcript and written post on the accounts you submit for the same four claim types, and reports financial or medical advice given with no stated licence. Policy Governance then checks the creator clause by clause against four public codes for pharma and health, financial services and banking, crypto and digital assets, and insurance marketing, each clause naming the FDA, FTC, FINRA, SEC, CFPB, FCA, TGA, CAP, NAIC or CMS rule it considers. A clause we hold no signal for reads Not assessed, never Pass, and no report states a legal conclusion.
▸ Why it is different in a regulated sector
The creator's claim becomes the brand's claim.
In most categories a creator's post is a brand-safety question. In pharma, finance, crypto and insurance it is also an advertising-rules question, and the regulator looks at the advertiser.
The FDA’s 2025 letters to drug makers cite, above all, benefits stated without the risks. FINRA has fined member firms for what paid finfluencers posted, treating the posts as the firm’s own retail communications. The SEC has charged celebrities for touting tokens without disclosing what they were paid. State insurance departments license the people who solicit a policy, and CMS writes the words a Medicare ad must carry. In every case the brand or the firm, not only the creator, carries the exposure.
So vetting a creator for a regulated campaign means reading what they have already said about health, money, tokens and policies, in their own words and on every platform, with the evidence kept and the rule it touches named. That is what this page describes, and where it stops.
▸ What is read
Three reads, one record.
The same four claim types are read by the score, by the Social Background Check and by Policy Governance. Each read states its scope.
- 01
Scoring reads every post for regulated claims
When a creator is scored, captions, spoken words and video are classified for four claim types: a health claim that a product cures, treats, prevents or is safe for a condition; a financial promotion with a promissory or unbalanced claim or investment advice; a crypto promotion of a token, exchange, airdrop or price; and an insurance solicitation, Medicare included. Each finding carries the quote.
A regulated-claim finding is evidence for a reviewer. Its severity is capped at medium and it never moves the 1 to 100 score, because the score penalises conduct, not the sector a creator works in.
- 02
The Social Background Check reads the full history
A check reads every caption, transcript and written post on the accounts you submit, back to the first post. A keyword gate puts every post that mentions a regulated subject in front of the model, up to 400 a check, and each claim comes back with the words that made it, checked against the post.
Advice given with no stated licence is reported only from the creator's own written words, never from a transcript, so a podcast guest's credential is never the host's. A stated credential counts only when it names a licence or regulated designation and appears in the creator's bio or captions.
- 03
Policy Governance checks the creator clause by clause
Four public codes are available to every brand workspace: pharma and health, financial services and banking, crypto and digital assets, and insurance marketing. Each clause names the rule it considers, shows a flag with its evidence or a pass over a stated scope, and reads Not assessed where we hold no signal.
Not assessed is never a pass. The report shows the share of clauses that could be assessed and prints for the file. A clause names the rule as a consideration for counsel; it never states that a creator complies with or breaches it.
▸ Pharma and health
Pharma and health marketing code (US, UK, AU).
For prescription and over-the-counter medicines, telehealth, devices and any product sold on a health claim, including supplements and weight-loss products. The code also carries brand-safety clauses on vaccine misinformation, illegal drugs and intoxication, read the same way on every code.
| Rule the clause considers | What CreatorScore reads today | |
|---|---|---|
| Health claims are truthful and stay within the approved use | 21 CFR 202.1; FTC Act section 5; CAP Code 12 | Finding with its quote; a pass states the scope it covers |
| Risk information appears alongside the benefits | 21 CFR 202.1(e)(5) fair balance; FDA's 2025 letters, most of which cite omitted risk information | Not assessed; the clause names the reviewer check instead |
| Medical advice comes from someone qualified to give it | FTC Act section 5; CAP Code 12.2; TGA Code s.24 | Finding with its quote; never a pass |
| No paid personal testimonial for a therapeutic good | TGA Code s.24(4); 16 CFR 255.2 | Not assessed; the clause names the reviewer check instead |
| Weight-loss promotion does not sit beside disordered-eating content | CAP Code 12 and 13; TGA Code s.9 | Finding with its quote; a pass states the scope it covers |
| Compensation for the promotion is disclosed | FTC 16 CFR Part 255; FDA's 2025 direct-to-consumer enforcement letters citing undisclosed paid influencers | Finding with its quote; a pass states the scope it covers |
| No prior regulatory action or enforcement naming the creator | FDA warning and untitled letters; FTC orders and consent decrees; TGA and ASA rulings | Not assessed in scoring; the public-record background check reads these records, each matter with its outcome |
| No fake followers or engagement used to sell | FTC 16 CFR Part 465 (2024), which bars buying or selling fake indicators of social-media influence for a commercial purpose | Finding with its quote; a pass states the scope it covers |
▸ Financial services
Financial services and banking code (US, UK).
For banks, brokers, lenders, card issuers, trading apps, advisers and any brand working with finfluencers. A disclaimer changes nothing: the finance code reads what was said, and 'not financial advice' under a guaranteed-return claim does not clear the claim. The code also carries a brand-safety clause on gambling promotion beside financial products.
| Rule the clause considers | What CreatorScore reads today | |
|---|---|---|
| No promissory or guaranteed-return claims | FINRA Rule 2210(d)(1)(B); FTC Act section 5; FCA COBS 4.2 (fair, clear and not misleading) | Finding with its quote; a pass states the scope it covers |
| Risks are stated with the rewards | FINRA Rule 2210(d)(1)(A); FCA COBS 4; TILA and TISA trigger-term rules for credit and deposit terms | Not assessed; the clause names the reviewer check instead |
| No deceptive income or earnings claims | FTC Act section 5 and the Endorsement Guides; CFPB UDAAP | Finding with its quote; a pass states the scope it covers |
| Investment advice comes from someone licensed to give it | Investment Advisers Act; FINRA registration; FSMA section 19 | Finding with its quote; never a pass |
| No undisclosed token or crypto touting | Securities Act s.17(b); FCA cryptoasset financial-promotion rules (in force 8 October 2023) | Finding with its quote; a pass states the scope it covers |
| Compensation for the promotion is disclosed | Securities Act s.17(b) (the amount of the compensation too, for a security); FTC 16 CFR Part 255; FINRA Rule 2210; SEC Marketing Rule 206(4)-1 | Finding with its quote; a pass states the scope it covers |
| No prior regulatory action or enforcement naming the creator | SEC orders and litigation releases; FINRA disciplinary actions; CFPB and state enforcement; FCA warnings and prosecutions | Not assessed in scoring; the public-record background check reads these records, each matter with its outcome |
| No fake followers or engagement used to sell | FTC 16 CFR Part 465 (2024), which bars buying or selling fake indicators of social-media influence for a commercial purpose | Finding with its quote; a pass states the scope it covers |
▸ Crypto and digital assets
Crypto and digital assets code (US, UK).
For exchanges, wallets, token issuers and any brand whose creators talk about coins. The code also carries brand-safety clauses on giveaway, airdrop and doubling scams and on gambling promotion.
| Rule the clause considers | What CreatorScore reads today | |
|---|---|---|
| No price predictions, guaranteed gains or cannot-lose claims | FTC Act section 5; FCA COBS 4 and the cryptoasset promotion rules; SEC guidance on touting | Finding with its quote; a pass states the scope it covers |
| The risk of loss is stated with the promotion | FCA COBS 4.12A; FINRA 2210(d) | Not assessed; the clause names the reviewer check instead |
| Investment advice comes from someone licensed to give it | FSMA s.19; Investment Advisers Act | Finding with its quote; never a pass |
| No involvement in a pump-and-dump or failed token promotion | Securities Act s.17(b); SEC and DOJ actions | Finding with its quote; a pass states the scope it covers |
| Compensation for the promotion is disclosed | Securities Act s.17(b) (the amount of the compensation too); FTC 16 CFR Part 255; FSMA s.21 for a UK audience | Finding with its quote; a pass states the scope it covers |
| No prior regulatory action or enforcement naming the creator | SEC orders and litigation releases; FCA warnings, take-down requests and prosecutions; FTC orders | Not assessed in scoring; the public-record background check reads these records, each matter with its outcome |
| No fake followers or engagement used to sell | FTC 16 CFR Part 465 (2024), which bars buying or selling fake indicators of social-media influence for a commercial purpose | Finding with its quote; a pass states the scope it covers |
▸ Insurance
Insurance marketing code (US).
For carriers, agencies, Medicare Advantage and supplement plans, and insurtech. Medicare marketing is read with the CMS rules named, and solicitation with no licence stated is a finding, never a pass.
| Rule the clause considers | What CreatorScore reads today | |
|---|---|---|
| No misleading claims about coverage, benefits or price | State advertising rules modelled on the NAIC Unfair Trade Practices Act; FTC Act section 5 | Finding with its quote; a pass states the scope it covers |
| No health or treatment claims used to sell a health policy | FTC Act section 5; 21 CFR 202.1 where a medicine is named | Finding with its quote; a pass states the scope it covers |
| Medicare marketing carries the required disclaimer and no misleading branding | 42 CFR 422.2260 to 422.2267; the CMS 2023 and 2024 marketing rules | Finding with its quote; never a pass |
| The creator does not sell or solicit insurance without a licence | State producer-licensing statutes modelled on the NAIC Producer Licensing Model Act | Finding with its quote; never a pass |
| No guaranteed-return or income claims around insurance products | State advertising rules; FTC Act section 5; FINRA Rule 2210 for registered products | Finding with its quote; a pass states the scope it covers |
| Compensation for the promotion is disclosed | FTC 16 CFR Part 255; CMS TPMO disclaimer rules for Medicare plans | Finding with its quote; a pass states the scope it covers |
| No prior regulatory action or enforcement naming the creator | State insurance department orders and licence actions; CMS compliance actions; FTC orders | Not assessed in scoring; the public-record background check reads these records, each matter with its outcome |
| No fake followers or engagement used to sell | FTC 16 CFR Part 465 (2024), which bars buying or selling fake indicators of social-media influence for a commercial purpose | Finding with its quote; a pass states the scope it covers |
▸ What a finding carries
Enough for legal to act on it without asking us.
Every regulated finding, in the dashboard, the PDF and the API, carries the same five things.
The words that made the finding
The caption, transcript line or written post, quoted and checked against the source, with the post link and the date. A finding whose quote is not in the post is dropped before you see it.
The claim type and the rule the clause considers
Health claim, financial promotion, crypto promotion, insurance solicitation, or advice given with no stated licence, and under the clause it reaches, the FDA, FTC, FINRA, SEC, CFPB, FCA, TGA, CAP, NAIC or CMS rule it considers.
Who is speaking
The creator's own words and conduct, or someone else's in a guest segment or an interview. Only the creator's own written words can ground an unlicensed-advice finding.
What was not assessed
Fair balance, whether a licence is actually held, audience age and country, and regulator records in monitoring each read Not assessed with the reviewer check named. A gap reported as a pass is the one output a compliance tool must never produce.
Provenance
Report id, scan time, build and scoring version, the models used, coverage per platform, the dispute route and a fingerprint you can verify by API, on every export, so legal can tell which exact report it signed off.
Read this first
A finding, as it reads in the report
▸ What is not assessed
Said plainly, so nobody signs off on a gap.
Fair balance. Whether risk information was stated alongside the benefits is not classified as its own finding. The fair-balance clause in each code reads Not assessed and names the reviewer check. We do not read it from whether the creator uses disclaimers, because a disclaimer changes nothing about what was said.
Whether a licence is held. We read whether a creator states one in their own words. We never confirm it with a regulator. FINRA BrokerCheck, the state insurance department and the state medical board are the checks a reviewer runs.
Audience age and country. Not collected, so any clause about minors or about the market an ad reaches reads Not assessed.
Regulator records in monitoring. Scoring and monitoring never query FDA, FTC, SEC, FINRA, FCA or ASA records. The Social Background Check’s public-record mode for a public figure does search them, and every matter it reports carries its outcome or reads unresolved as of a date.
Sectors without a code. There is a separate alcohol marketing code, but it is not mapped to TTB rules. There is no code yet for gambling operators, cannabis, tobacco or vaping; gambling promotion is read as a finding inside the finance and crypto codes.
Legal conclusions. None. A clause names the rule it considers as a consideration for counsel. The legal review guide explains how to read coverage, evidence and provenance before signing off.
▸ Compared with VwD
Where each is stronger.
VwD is the other vendor that names sector rules. Both statements below are vendor claims; read each vendor's own pages.
VwD publishes checks against FTC, FINRA, FDA and TTB rules and has run them for longer than our regulated-industry codes have existed. We do not cover TTB alcohol trade rules.
CreatorScore checks four public codes whose clauses name the rule each considers, reports every clause it cannot assess as Not assessed rather than passing it, links every finding to its quote, reads the full available history on a background check, publishes per-creator pricing, and lets creators see and contest a flag. The side-by-side with sources is in the best influencer compliance platforms for enterprises and creator risk monitoring software compared.
▸ CreatorScore
Hand legal a report that names the rule.
Four regulated-industry codes, every finding with its quote, and an honest list of what was not assessed. Run it on a creator before the brief goes out.
- Pharma, finance, crypto and insurance codes
- Not assessed, never a silent pass
- Findings and evidence over the API
- Published per-creator pricing
▸ Questions
Common questions
Does CreatorScore check influencer content against FINRA and SEC rules?
It reads a creator's captions, spoken words, video and written posts for promissory or guaranteed-return claims, deceptive income claims, undisclosed token touting and investment advice given with no stated licence, and shows each finding with its quote. The financial services code, CreatorScore's reading of Securities Act section 17(b), FINRA Rule 2210, SEC Rule 206(4)-1, FTC Parts 255 and 465 and UK FSMA section 21, then checks the creator clause by clause, and each clause names the rule it considers (FINRA Rule 2210, FTC Act section 5, CFPB UDAAP, the Investment Advisers Act, FCA COBS 4). It does not decide whether a post complies: findings are considerations for counsel, and a clause with no signal reads Not assessed.
Does CreatorScore check health claims against FDA rules?
Yes, for the claims themselves. A claim that a product cures, treats, prevents or is safe for a condition, or advice to take or stop a medicine, is classified in captions, speech and video and shown with its quote, and the pharma and health code names 21 CFR 202.1, the FDA's 2025 direct-to-consumer letters, FTC Act section 5, Australia's TGA Code section 24 and the UK CAP Code 12 clause by clause. Whether risk information was stated alongside the benefits (fair balance) is not assessed today, and the clause says so and names the reviewer check.
Can it check crypto and token promotions?
Yes. Promotion of a token, exchange, airdrop or trading scheme and price predictions are classified with the quote; giveaway, airdrop and doubling scams and involvement in a pump-and-dump or failed token promotion are separate clauses in the crypto and digital assets code, which names Securities Act section 17(b), SEC guidance on touting, the FCA's cryptoasset promotion rules and FINRA 2210(d). Whether the risk of loss was stated with the promotion is not assessed.
Does it check whether an influencer is licensed to give financial advice or sell insurance?
It reads whether the creator states a licence in their own words, and reports advice or solicitation given with none stated. A credential counts only when it names a licence or regulated designation, such as a CFP, CFA, CPA, FINRA registration, MD, pharmacist or registered dietitian, and appears in the creator's own bio or captions; an award, the word expert or a follower count does not. It never confirms that a licence is held. Check FINRA BrokerCheck, the state insurance department or the state medical board for that.
Which CreatorScore products include the regulated-industry reads?
All three. The 1 to 100 score classifies the four claim types on every creator scored, and Policy Governance with the four codes is available to every brand workspace. The Social Background Check, Quick or Verified at $29.99, reads the full available history of the accounts you submit for the same claim types and for advice given with no stated licence. For a public figure, the check's public-record mode also reads press, legal and regulator records with each matter carried to its outcome.
Is a CreatorScore report a compliance determination or legal advice?
No. A clause names the rule it considers and shows the evidence; it never states that a creator complies with or breaches that rule. Reports are not legal advice, and CreatorScore is not a consumer reporting agency, so a report must not be used for decisions about a person's employment, credit, insurance or housing. The legal review guide explains how to read coverage, evidence and provenance before signing off.
Which countries' rules do the codes consider?
The United States first (FDA, FTC, FINRA, SEC, CFPB, state insurance rules on the NAIC models and CMS Medicare marketing rules), with the UK's FCA, FSMA and CAP Code and Australia's TGA Code named where a clause considers them. Audience geography is not assessed, so apply the code for the market you sell in.
How does this compare with VwD?
VwD publishes checks against FTC, FINRA, FDA and TTB rules and has run them for longer than our regulated-industry codes have existed; we do not cover TTB alcohol trade rules. CreatorScore checks four public codes whose clauses name the rule each considers, reports every clause it cannot assess as Not assessed rather than passing it, links every finding to its quote, publishes per-creator pricing, and lets creators see and contest a flag. Both are vendor claims; read each vendor's own pages before you choose.
▸ Keep reading
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