Join National Advertising Division attorneys on this podcast as they explore advertising claims and what it means to put them to the truthfulness test.
The Ad Watchers
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24 episodes
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Join National Advertising Division attorneys on this podcast as they explore advertising claims and what it means to put them to the truthfulness test.
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4/5/2023
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Recent Episodes
August 11, 2026
How Are Rising Financial Pressures Impacting Advertising Claims?
<p>With more consumers seeking debt relief and digital financial tools than ever before, claims about savings and financial outcomes are drawing increased attention from regulators, competitors, and self-regulatory bodies alike.</p> <p>In this episode of Ad Watchers, attorneys from the National Advertising Division (NAD) break down recent cases involving debt relief providers and personal finance apps, exploring what advertisers need to know about substantiating savings claims, survey-based advertising, typical consumer results, and clear disclosures.</p> <p>Tune in to learn how advertisers can better align their claims, evidence, and disclosures in the financial services marketplace.</p> <p><b>Related Resources:</b></p> <ul> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/jpmorgan-chase"><span style="font-weight: 400;">National Advertising Division Finds Certain Chase Sapphire Claims are Puffery; Recommends JPMorgan Chase Modify or Discontinue Others</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/nad-jg-wentworth-claims"><span style="font-weight: 400;">NAD Recommends J.G. Wentworth Company Modify its ‘Cash Now’ Claims to Clearly and Conspicuously Disclose Material Information about Timing of Payment</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/cash-app"><span style="font-weight: 400;">National Advertising Division Recommends Cash App Financial Services Platform Discontinue or Modify Megan Thee Stallion Video About Investing</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/guideline"><span style="font-weight: 400;">National Advertising Division Recommends Guideline Modify or Discontinue “#1” and “Most Popular” 401(k) Claims</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/guideline-arr"><span style="font-weight: 400;">National Advertising Division Recommends Guideline Clarify Annual Recurring Revenue Claim</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/guideline-401k"><span style="font-weight: 400;">National Advertising Division Finds Certain Guideline 401(k) Claims Supported; Recommends Others Be Modified or Discontinued</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/vestwell"><span style="font-weight: 400;">National Advertising Division Finds Certain Vestwell “Annual Recurring Revenue” Disclosures Sufficient; Recommends Modification to Disclose Methodology</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/national-debt-relief"><span style="font-weight: 400;">National Advertising Division Recommends National Debt Relief Modify Certain Debt Settlement Services Claims</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/monarch-money"><span style="font-weight: 400;">National Advertising Division Recommends Monarch Money Discontinue Certain Money Management Influencer Claims</span></a></li> </ul> <p><span style="font-weight: 400;">Enjoyed this episode? Get caught up on past seasons of </span><a href="https://bbbprograms.org/media/insights/podcast"><span style="font-weight: 400;">Ad Watchers</span></a><span style="font-weight: 400;"> and subscribe to never miss an episode.</span></p> <p> </p> <h2><b>Chapters:</b></h2> <p><b>00:51 – Rising prices and financial pressure</b></p> <p><span style="font-weight: 400;">Introduces consumer anxiety surrounding higher everyday costs, debt, bill payments, and saving for the future.</span></p> <p><b>01:40 – Financial product advertising and self-regulatory cases</b></p> <p><span style="font-weight: 400;">Sets up the episode’s focus on financial products, NAD monitoring cases, competitor challenges, and recurring advertising disputes.</span></p> <p><b>10:06 – Debt settlement advertising and vulnerable consumers</b></p> <p><span style="font-weight: 400;">Explains why debt relief advertising receives heightened scrutiny and introduces concerns about program qualifications and material limitations.</span></p> <p><b>10:37 – How debt settlement programs work</b></p> <p><span style="font-weight: 400;">Reviews unsecured debt, third-party accounts, creditor negotiations, client approvals, fees, and the time required to complete a program.</span></p> <p><b>11:47 – National Debt Relief claims, timelines, and disclosures</b></p> <p><span style="font-weight: 400;">Examines claims about financial stability, 24-to-48-month results, savings percentages, unsecured debt limitations, and clear disclosures.</span></p> <p><b>13:12 – Accredited Debt Relief and typical consumer experience</b></p> <p><span style="font-weight: 400;">Covers claims about cutting payments in half, reducing total debt by 50%, and becoming debt-free in as little as 12 months.</span></p> <p><b>15:25 – Debt settlement advertising takeaways</b></p> <p><span style="font-weight: 400;">Explains how advertisers can present debt and payment reductions without overpromising and where material limitations should appear.</span></p> <p><b>15:46 – Monarch Money and financial app claims</b></p> <p><span style="font-weight: 400;">Introduces the budgeting app and its claims about savings, financial clarity, partner conversations, and control over finances.</span></p> <p><b>17:12 – Survey design and the $200 monthly savings claim</b></p> <p><span style="font-weight: 400;">Looks at sample design, the missing “don’t know” option, ambiguous survey language, and the need for claim-specific evidence.</span></p> <p><b>18:14 – Couples, control, and unsupported survey claims</b></p> <p><span style="font-weight: 400;">Explains why single-user data could not support a couples claim and why the survey did not adequately support the financial-control claim.</span></p> <p><b>19:01 – Chase Sapphire and “most rewarding” credit card claims</b></p> <p><span style="font-weight: 400;">Examines when “most rewarding” is puffery, when it communicates a measurable superiority claim, and how Chase calculated the value of its card benefits.</span></p> <p><b>22:55 – Final takeaways on reliable data and clear disclosures</b></p> <p><span style="font-weight: 400;">Ends with guidance to match claims to reliable evidence, understand the target audience, and disclose material limitations clearly and conspicuously.</span></p> <p>The post <a href="https://www.accountabilitystudio.org/2026/08/11/financial-claims/">How Are Rising Financial Pressures Impacting Advertising Claims?</a> appeared first on <a href="https://www.accountabilitystudio.org">BBB National Programs</a>.</p>
July 9, 2026
What makes an influencer trustworthy?
<p><span style="font-weight: 400;">Influencer marketing is now a major part of the advertising landscape, but questions around disclosures, sponsored content, material connections, and misleading claims continue to create challenges for brands, agencies, creators, and consumers.</span></p> <p><span style="font-weight: 400;">In this episode of Ad Watchers, our hosts speak with Jennifer Santos about the Institute for Responsible Influence, an initiative designed to help creators and brands better understand responsible advertising practices. The conversation covers IRI’s certification program, FTC endorsement requirements, disclosure best practices, creator education, monitoring, accountability, and the growing global conversation around influencer self-regulation.</span></p> <p><span style="font-weight: 400;">The episode highlights a key takeaway for advertisers and creators: responsible influence is not just about compliance. It is also about transparency, credibility, and building consumer trust in influencer marketing.</span></p> <p><b>Related Resources:</b></p> <ul> <li style="font-weight: 400;" aria-level="1"><a href="https://responsibleinfluence.org/for-creators"><span style="font-weight: 400;">Institute for Responsible Influence / Responsible Influence Certification Program</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/insights/podcast/influencer-trust"><span style="font-weight: 400;">Influencer Marketing Consumer Insights: What can lead to distrust?</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/programs/advertising/nad"><span style="font-weight: 400;">National Advertising Division</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://www.ftc.gov/business-guidance/advertising-marketing/endorsements-influencers-reviews"><span style="font-weight: 400;">FTC Endorsement Guides</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/insights/podcast/influencer-trust"><span style="font-weight: 400;">Influencer Trust Index</span></a></li> </ul> <p><span style="font-weight: 400;">Enjoyed this episode? Get caught up on past seasons of </span><a href="https://bbbprograms.org/media/insights/podcast"><span style="font-weight: 400;">Ad Watchers</span></a><span style="font-weight: 400;"> and subscribe to never miss an episode.</span></p> <h3><b>Chapters:</b></h3> <p><b>00:00 – Welcome and episode introduction</b><b><br /> </b><span style="font-weight: 400;"> Introduces </span><i><span style="font-weight: 400;">Ad Watchers</span></i><span style="font-weight: 400;"> and frames the episode around influencer advertising, material connection disclosures, and NAD’s ongoing interest in influencer marketing.</span></p> <p><b>01:57 – Introducing the Institute for Responsible Influence</b><b><br /> </b><span style="font-weight: 400;"> Explains the Center for Industry Self-Regulation’s Institute for Responsible Influence and its goal of promoting transparency and consumer confidence in advertising.</span></p> <p><b>03:08 – Why IRI was created</b><b><br /> </b><span style="font-weight: 400;"> Covers how IRI grew out of concerns around misinformation, undisclosed sponsorships, misleading claims, and lack of awareness around advertising standards and FTC guidance.</span></p> <p><b>04:14 – Responsible Influence Certification Program</b><b><br /> </b><span style="font-weight: 400;"> Introduces the 90-minute certification program designed to educate creators on responsible advertising practices.</span></p> <p><b>06:08 – How creators, brands, agencies, and consumers benefit</b><b><br /> </b><span style="font-weight: 400;"> Explains how the program helps creators understand rules, helps brands identify responsible partners, and gives consumers more transparent and truthful content.</span></p> <p><b>08:01 – Certification process and requirements</b><b><br /> </b><span style="font-weight: 400;"> Breaks down the training modules, assessment, annual renewal, best practices pledge, and certification seal.</span></p> <p><b>10:00 – Early response and global momentum</b><b><br /> </b><span style="font-weight: 400;"> Discusses positive response from the creator ecosystem and how responsible influence certification is becoming part of a broader global conversation.</span></p> <p><b>12:16 – Beauty, health, and wellness influencer marketing</b><b><br /> </b><span style="font-weight: 400;"> Looks at industries that have been especially receptive to IRI, including beauty and health and wellness, where trust and influencer engagement are especially important.</span></p> <p><b>14:58 – Monitoring and accountability for certified creators</b><b><br /> </b><span style="font-weight: 400;"> Explains how IRI monitors certified creators’ public content and provides guidance when potential issues arise.</span></p> <p><b>18:24 – Common education gaps for influencers and brands</b><b><br /> </b><span style="font-weight: 400;"> Covers major areas where more education is needed, including material connections, disclosure requirements, intellectual property, and shared responsibility between brands and creators.</span></p> <p><b>22:39 – Ongoing obligations for certified creators</b><b><br /> </b><span style="font-weight: 400;"> Explains that certification is not a one-time exercise; creators must continue applying responsible influence principles in future content and brand partnerships.</span></p> <p><b>23:50 – Building consumer awareness of the certification seal</b><b><br /> </b><span style="font-weight: 400;"> Discusses the long-term goal of helping consumers recognize the certification seal as a signal of responsible advertising practices.</span></p> <p><b>26:48 – The future of influencer self-regulation</b><b><br /> </b><span style="font-weight: 400;"> Looks ahead to the creator council, certified creator database, vertical-specific trainings, and broader collaboration across the creator economy.</span></p> <p><b>31:14 – Final takeaway: consumer trust and responsible influence</b><b><br /> </b><span style="font-weight: 400;"> Recaps the importance of training, clear rules of the road, material connection disclosures, and building consumer trust through responsible influencer marketing.</span></p> <p>The post <a href="https://www.accountabilitystudio.org/2026/07/09/responsible-influence-influencer-marketing/">What makes an influencer trustworthy?</a> appeared first on <a href="https://www.accountabilitystudio.org">BBB National Programs</a>.</p>
June 2, 2026
Ad Watchers: How Should Brands Advertise Infant Care Products Without Overpromising?
<p><span style="font-weight: 400;">With heightened consumer expectations around safety, transparency, and performance, infant care brands face growing pressure to ensure their advertising claims are properly supported.</span></p> <p><span style="font-weight: 400;">In this episode of Ad Watchers, NAD attorneys explore the evolving and innovative landscape of infant care marketing, from infant formula and diapers to AI-powered baby monitors and bassinets. Learn about recent cases and ensuring vulnerable audiences fully understand the benefits and limitations of advertised products in this multidimensional category.</span></p> <p><b>Related Resources:</b></p> <ul> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/kendal-nutricare"><span style="font-weight: 400;">NAD Case #7422: Kendal Nutricare Limited</span></a></li> <li style="font-weight: 400;" aria-level="1"><span style="font-weight: 400;">Appeal: </span><a href="https://bbbprograms.org/media/newsroom/decisions/narb-kendal"><span style="font-weight: 400;">NARB Case #7422-342: Kendal Nutricare Limited</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/kendamil-infant-formula"><span style="font-weight: 400;">NAD Case #7347: Kendamil Infant Formula Packaging</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/perrigo-cost-savings"><span style="font-weight: 400;"> NAD Case #7098: Perrigo Company plc</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/kimberly-clark-huggies"><span style="font-weight: 400;">NAD Case #7248: Kimberly-Clark Inc.</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/rascals"><span style="font-weight: 400;">NAD Case #7376: Rascals International Limited</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/waterwipes-1-claims"><span style="font-weight: 400;">NAD Case #7064: WaterWipes</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/waterwipes-infant-cleansing-wipes"><span style="font-weight: 400;">NAD Case #7086: WaterWipes</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/nanit"><span style="font-weight: 400;">NAD Case #7544: UdiSense, Inc. (Nanit)</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/dorel"><span style="font-weight: 400;">NAD Case #7485: Dorel Juvenile Group, Inc.</span></a></li> <li style="font-weight: 400;" aria-level="1"><a href="https://bbbprograms.org/media/newsroom/decisions/horizon-ai"><span style="font-weight: 400;">NAD Case #7486: ADC Solutions USA, LLC d/b/a Horizon Brands, LLC</span></a></li> </ul> <p><span style="font-weight: 400;">Enjoyed this episode? Get caught up on past seasons of the Ad Watchers and subscribe to never miss an episode.</span></p> <p>Chapters:<br /> <strong>00:00 – Welcome and infant care case overview</strong><br /> Introduces the episode’s focus on infant formula, diapers and wipes, monitors, bassinets, and related infant-care product claims.<br /> <strong>02:26 – Infant formula claims: natural, clean, and comparative nutrition</strong><br /> Covers Kendall Mill claims around natural ingredients, clean formula messaging, and comparative nutrition support.<br /> <strong>05:37 – Cognitive development and European sourcing claims</strong><br /> Looks at MFGM, whole milk, breast-milk comparisons, and European-origin symbolism on packaging.<br /> <strong>12:23 – Formula savings and affordability claims</strong><br /> Examines savings claims for hypoallergenic infant formula and where broader equivalence messaging went too far.<br /> <strong>15:06 – Diaper fit, absorbency, and biodegradable claims</strong><br /> Reviews best-fitting diaper claims, quantified absorbency claims, and the need to qualify biodegradable messaging under the FTC Green Guides.<br /> <strong>20:24 – Baby wipes claims and diaper-rash messaging</strong><br /> Covers number-one wipe claims, clinically proven language, and implied safety or superiority messaging in wipes advertising.<br /> <strong>23:25 – Smart baby monitor claims and category expansion</strong><br /> Explores number-one baby monitor and number-one smart baby monitor claims and how NAD viewed the broader monitor category.<br /> <strong>26:31 – AI bassinets and AI-powered baby monitors</strong><br /> Breaks down claims about cry translation, emotion detection, and AI-supported device functionality.<br /> <strong>30:30 – Safety claims and COPPA issues in connected infant products</strong><br /> Covers strong safety messaging, detection limitations, and COPPA-related review of connected infant products.<br /> <strong>32:00 – Final takeaways on vulnerable audiences and substantiation</strong><br /> Ends with the importance of narrowly tailoring claims, especially in infant care and green-claims contexts.</p> <p>The post <a href="https://www.accountabilitystudio.org/2026/06/02/infant-care-claims/">Ad Watchers: How Should Brands Advertise Infant Care Products Without Overpromising?</a> appeared first on <a href="https://www.accountabilitystudio.org">BBB National Programs</a>.</p>
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