Helios Brands, Inc. · in-house marketing compliance
Source: heliospay.com · https://heliospay.com
“Get cash for $189 a month. 5.99% rates available now.”
This product is consumer credit, so Regulation Z applies. A payment amount is a triggering term under 12 CFR § 1026.24(d). The live page also states a simple rate without APR. The rulepack that fired is consumer credit — turned on because the copy is a loan ad, not because the platform is a lender SKU.
Add APR, term, and example loan amount next to $189. Date-stamp it.
A draft for the officer. RuleCites does not clear copy.