When can this statement be used in an advertisement? In other words, how much or how little info needs to be included before this can be added? When can this be used in place of all the mouse text? Thank you.

Varies by reg/requirement. You have to look at the specific triggers and required disclosure(s) for each.

One place it can be used is on indoor signs advertising deposit products. However, the regulatory "handwriting on the wall" suggests that the use of "see an employee for details" in lieu of including info in ads is becoming less and less acceptable.

Thank you for your replies. One last question, please? Can it be used on a rate sheet instead of spelling out the criteria to get that rate?

Reg DD spells out the specific info for deposit rate sheets that are provided to consumers. For commercial customers, you need to avoid being deceptive or misleading. I personally can't speak to lending rate sheets.

A rate sheet is an ad. If it's available to consumers, it's an ad that has to comply with Reg DD and FDIC rules for deposit accounts; with Reg Z and Fair Lending rules for consumer loan ads. There is no "ask us for more information" provision in any of those rules.

I did miss the fact that Reg Z will have "ask us for details" provisions for some TV/radio ads as an option. But you just cannot do it when it comes to print advertising.

Thank you again. Based on your answers, I am not understanding those employee buttons with an APY and "ask us" language. Are you saying this doesn't work? I am looking for scenario when this does work for deposit rates.

A rate sheet can walk out the door with the customer, so it has to comply with the ad rules.

The employee buttons enjoy the carve-out for indoor signs. They would be technical violations if worn outside the bank office, but are OK as long as they stay within the branch walls.

In in-store branches where there are no walls that separate the branch of the bank from the host store, in-bank signs present some genuine questions.