As part of our ongoing efforts to promote fairness on our advertising platform, Meta has introduced a new Special Ad Category “Financial products and services” for advertisers promoting financial products and services. Starting January 14, 2025, using this category is required for financial products and services campaigns for advertisers based in the United States or showing ads to audiences in the United States. Ads may be rejected if an appropriate category is not chosen. Learn more about the update here.
For API developers
In October 2024 we introduced a new input called FINANCIAL_PRODUCTS_SERVICES available for the Special Ad Categories field. This input will replace the CREDIT input as of January 14, 2025.
Audience and product restrictions outlined in this developer document for HOUSING and EMPLOYMENT Special Ad Categories inputs will also apply to the new FINANCIAL_PRODUCTS_SERVICES input.
Starting January 14, 2025, using the Special Ad Category designation is required for advertisers running financial products and services campaigns that are based in the United States or showing ads to audiences in the United States. Ads may be rejected if the advertiser does not choose an appropriate Special Ad Category.
Note: Our policy for credit ads (a subset of financial products and services) does not change, and will continue to apply for advertisers based in the US or showing ads to audiences in the US, Canada or certain parts of Europe.
Businesses whose ads do not belong to a Special Ad Category must indicate NONE or send an empty array in the special_ad_categories field.
When any special_ad_categories are selected, you must also set a special_ad_category_country.
Businesses running housing, employment, or financial products and services ads must comply with audience restrictions. Audience options for ads about social issues, elections or politics are not affected by the special_ad_categories label.
Ad Campaign Offerings
All advertisers are required to specify Special Ad Categories in their advertising campaign creations. The Special Ad Category field can contain one or more of the following:
HOUSING
FINANCIAL_PRODUCTS_SERVICES
EMPLOYMENT
ISSUES_ELECTIONS_POLITICS
NONE
Even if the campaign does not contain ads that include housing, employment, financial product and services, or issues, elections, and politics, advertisers must still specify a category by choosing NONE or sending us an empty array.
If selecting housing, employment, or financial products and services, the set of targeting options available for ads in these campaigns will be restricted.
If selecting issues, elections, or politics, you will be asked to select the country in which you want to run these ads. You are required to be authorized to run ads about social issues, elections, or politics in the specified country.
All campaign creations require the special_ad_categories field. If your campaign does not need a Special Ad Category, you can pass in an empty array or use NONE as the value.
All current campaigns are assigned a default of NONE to special_ad_category. If you run ads in a Special Ad Category, you need to update as follows:
Re-create your campaign and specify special_ad_category. See Create a new campaign for details.
Update your audience settings and change your special_ad_category:
You must update your audience settings to comply with Special Ad Category restrictions. You can do this manually, using our usual targeting end points. Or, you can specify tune_for_category at the ad set level. When you use tune_for_category, you are immediately compliant with the new restrictions:
curl -i -X POST \
-F 'tune_for_category=EMPLOYMENT'
https://graph.facebook.com/v25.0/<ADSET_ID>
After the targeting is updated, request a change in your special_ad_category with a POST request to /<AD_CAMPAIGN_ID>. Include your category information:
curl -i -X POST \
https://graph.facebook.com/v25.0/<AD_CAMPAIGN_ID>?special_ad_category=EMPLOYMENT
Tune for Category
When you use tune_for_category, the result for your ad campaign and ad sets is as follows:
For Audiences
Supporting Features
Removed Features
Custom Audience Inclusion
Custom Audience Exclusion
Custom Audience Expansion
Advantage+ Audience
Detailed Targeting Expansion
Saved Audiences
Lookalike Audiences
Custom Age: Options are generally fixed to include ages 18 through 65+ for housing, employment and financial product and services ads. However, advertisers running credit opportunity ads in Europe (using the financial products and services category) can select a different age range in order to meet their industry and local requirements for this Special Ad Category.
Location Radius: Changes the location radius to required minimum, depending on targeting spec.
Gender Selection: Changes to all genders.
Detailed Targeting Selection:
Certain Interest inclusions, and Location Selection
Prohibiting Ads About Social Issues, Elections or Politics from Running in the European Union Due to New Regulation
In response to the European Union’s Transparency & Targeting of Political Ads (TTPA) regulation, beginning on October 6, 2025, social issue, electoral and political ads will no longer be to run in the EU and associated territories. Learn more about these updates.
Advertisers running ads about social issues, elections, and politics need to specify special_ad_categories when creating an ad campaign. In addition, they also have to set the authorization_category flag at the ad creative level: use POLITICAL for political ads, and beginning January 9, 2024, use POLITICAL_WITH_DIGITALLY_CREATED_MEDIA for ads containing media that is digitally created or altered.
You can create entire campaigns with ads about issues, elections, and politics, instead of individual ads displaying this type of content. Inside a single ad campaign, you can no longer mix ads about issues, elections, and politics with ads not related to these topics. In addition, you can no longer mark individual ads as belonging to issues, elections, and politics.
To create an issue, elections, or politics campaign, pass ISSUES_ELECTIONS_POLITICS inside the special_ad_categories field. Advertisers are allowed to combine this category with others by passing multiple values into the field.
When any special_ad_categories are selected, you must also set a special_ad_category_country. This is the country you want to run ads about social issues, elections, or politics. The special_ads_category_country:
should be an array of ISO Alpha 2 country codes.
needs to be a country that the user and Page is authorized in.
To run issue, elections, or politics campaigns:
Advertisers must be authorized in the country they want to run ads in.
The ad account must be eligible to run issue, electoral, or political ads for this Page.
To create an issue, elections, or politics campaign:
Housing, Employment, and Financial Products and Services
Advertisers running ads about housing, employment and financial products and services need to specify special_ad_categories while creating an ad campaign. When special_ad_categories are selected, you should also set a special_ad_category_country. The special_ad_category_country for housing, employment, and financial products and services ads:
Will default to your listed tax country, if it is not set.
Does not need to be a country that the user and Page is authorized in.
Businesses outside the U.S. and reaching audiences outside the U.S., Canada, and Europe, where these restrictions currently apply, must also pass the Special Ad Category field, but can choose to opt-in or opt-out of audience restrictions. Regardless of whether the campaign offers housing, employment, or financial products and services opportunities, these businesses can either opt-out by indicating NONE in the Special Ad Category field or opt-in to Special Ad Category by designating your ad as offering housing, employment, or financial products and services opportunities.
Special Ad Categories for Housing, Employment and Financial Products and Services Ads in Europe
If you want to reach Europe and run ads related to housing, employment, and financial products and services opportunities, you will be required to declare the relevant Special Ad Categories. Ads that fall into Special Ad Categories have a smaller set of available audience categories.
Ad Set and Ad Level Changes
Advertisers running housing, employment, and financial products and services ads, who are based in the US or running ads reaching the US, Canada, or Europe have the following limitations on the ad set and ad levels:
Advertisers offering housing, employment and financial products and services opportunities, who are based in the United States or running ads reaching the United States, Canada, or Europe have a limited set of audience options to choose from. For example, audience options describing or appearing to relate to protected classes which may include demographics, behaviors or interests, are unavailable.
These are the restrictions:
Age
Options are generally fixed to include ages 18 through 65+ for housing, employment and financial products and services ads. However, advertisers running credit opportunity ads (using the financial products and services category) in Europe can select a different age range in order to meet their industry and local requirements for this Special Ad Category.
Gender
Specific gender cannot be chosen. You have two options:
Recommended: Do not specify genders parameters.
Set genders to default values: genders defaults to all genders.
Location
Location exclusion is not supported.
Location selection must include all areas equal or larger than 15 mile or 25 kilometer radius for the US and Canada, and 15 kilometer radius for Europe of any selected city, address or dropped pin.
The following location categories are not supported:
subcity
neighborhood
metro_area
small_geo_area
subneighborhood
electoral_district
zips
Detailed Targeting
The following Interest Targeting options are not permitted:
Behavior and Demographic targeting
Interest exclusion
Detailed targeting exclusion
Supported targeting interests have to be part of a previously approved list. You will be able to search this list in the future with our Targeting Search.
Lookalike Audiences
Lookalike audiences are unavailable for housing, employment, and financial products and services ads.
Eligibility
You can check whether a customer list custom audience is eligible for use in a special ad category campaign with the is_eligible_for_sac_campaigns in combination with special_ad_categories and special_ad_category_countries parameters.
Example Request
curl -X GET /
https://graph.facebook.com/v25.0/act_<CUSTOM_AUDIENCE_ID>?fields=id,is_eligible_for_sac_campaigns&ad_account_id=<AD_ACCOUNT_ID>&special_ad_categories=HOUSING,EMPLOYMENT&special_ad_category_countries=US,UK
Since December 4, 2019, businesses located in the US or reaching users in the US are required to identify new and edited ad campaigns that offer housing, employment, or credit opportunities, or their ads are not allowed to run. Since this date, businesses located in the US or reaching users in the US must specify a special_ad_category for new and edited campaigns and use the limited audience criteria available for such campaigns. This applies across all ad buying surfaces, including the Marketing API.
February 11, 2020 is the milestone for active ads offering housing, employment, or credit opportunities.
Since March 31, 2020, all new and edited ads using the Marketing API, including all businesses that do not offer housing, employment or credit opportunities, which must specify NONE under special_ad_category.
Starting December 3, 2020, advertisers reaching Canada and running ads related to credit, employment, or housing opportunities are required to declare the relevant Special Ad Categories.
Starting December 7, 2021, advertisers reaching Europe and running ads related to credit, employment, or housing opportunities are required to declare the relevant Special Ad Categories.
Starting January 21, 2025, using the Special Ad Category designation is required for advertisers running financial products and services campaigns that are based in the United States or showing ads to audiences in the United States. Ads may be rejected if the advertiser does not choose an appropriate Special Ad Category. Our policy for credit ads (a subset of financial products and services) does not change, and will continue to apply for advertisers based in the US or showing ads to audiences in the US, Canada or certain parts of Europe.
A call to an object with "effective_status": "WITH_ISSUES" returns a field called issues_info, with information related to the issues found. While working with Special Ad Category, you may see the following issues:
error_code
error_message
error_summary
2859024
Certification Required
A business admin must review and accept our non-discrimination policy before you can run ads. They can find it by going to Business Settings, then System Users. Help Center link: https://www.facebook.com/business/help/338925176776440
2909035
Custom Age Selection Is Not Available
Custom age selection is unavailable when running ads in this Special Ad Category. You must select the age range 18-65+ for your audience.
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Saved Audiences Are Not Available
Using Saved Audiences is unavailable when running ads in this Special Ad Category. You must remove all selected Saved Audiences.
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Lookalike Audiences Are Not Available
Using Lookalike Audiences is unavailable when running ads in this Special Ad Category. You must remove all selected Lookalike Audiences.
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Location Radius Selection Is Not Available
The location radius you selected is unavailable when running ads in this Special Ad Category. You must include a radius of at least 15 miles (or 25 kilometers) from any selected city, address or dropped pin.
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Detailed Targeting Selection Not Available
Some of the detailed targeting options you selected aren’t available when running ads in this Special Ad Category. You must remove them from your audience.
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Location Exclusion Is Not Available
Excluding specific locations is unavailable when running ads in this Special Ad Category. You must remove all location exclusions.
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Custom Gender Selection Is Not Available
Custom gender selection is unavailable when running ads in this Special Ad Category. Your audience must include all genders.
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Location Selection Is Not Available
Some of your location selections are unavailable when running ads in this Special Ad Category. Update your locations to include at least a 15-mile (or 25-kilometer) radius from any selected city, address or dropped pin.
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Detailed Targeting Exclusion Is Not Available
Excluding behaviors, demographics or interests is unavailable when running ads in this Special Ad Category. You must remove all detailed targeting exclusions.
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Interest Selection Is Not Available
Some of the detailed targeting options you selected aren’t available when running ads in this Special Ad Category. You must remove them from your audience.
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Cannot Use Bid Multipliers
You cannot use bid multipliers under a Special Ad Category.
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Excluding Certain Audiences Is Not Available
Excluding Lookalike Audiences is unavailable when running ads in this Special Ad Category. You must remove all Lookalike Audience exclusions.
In addition to requiring advertisers to self-identify their campaign category, we continue using human reviewers and machine-learning to identify these kinds of ads. If you send us an incorrect special_ad_category, there is a risk your ads will be paused until the campaign is adjusted.
If you select HOUSING, EMPLOYMENT, or FINANCIAL_PRODUCTS_SERVICES as special_ad_category, all audience restrictions will be enforced with a hard error.
Context
Meta is committed to protecting people from discrimination, and we are continually improving our ability to detect and deter potential abuse. It’s against our policies to discriminate by wrongfully reaching or excluding specific groups of people.
As part of a historic settlement agreement, we made changes to the way we manage housing, employment, and credit ads. Special Ad Categories were created to support that commitment.