In order to satisfy the requirements of the MARS Rule, the disclosures provided with general commercial communications must include a statement that:

To satisfy the requirements of the MARS Rule, the appropriate disclosure must clearly inform consumers that the mortgage assistance relief services being offered are not government-approved and that there is no guarantee of success in negotiations with lenders for loan modifications. This statement emphasizes the independent nature of the MARS provider and ensures that consumers understand the potential risks involved.

By stating that the provider is not associated with or approved by the government, consumers are made aware that their services do not carry any governmental endorsement. Furthermore, mentioning that the lender may or may not agree to change or modify the consumer's loan highlights the uncertainty and lack of assurance about the outcome of their efforts, which is vital for informed decision-making.

This understanding empowers consumers to approach mortgage relief services with a clear perspective on the limitations and potential outcomes, aligning with the goal of protecting consumers in the financial marketplace.