1. Social Media and Payday Lenders Mercedes Kelley Tunstall Of Counsel tunstallm@ballardspahr.com 202-661-2221

2. 2 Types of Social Media Activities As part of an advertising campaign -Facebook page or application; Twitter page; YouTube sponsored page As a customer service channel -@Comcast Cares; @BofA Help Contests involving user-generated content -Users are encouraged to submit videos, pictures, texts, etc. Collaboration tool for employees Creation of social media communities -Small Business Online Community

3. 3 Social Media Legal Concerns 101 Editor v. Publisher Liability Moderation -Pre-submit v. post-submit -Using third-parties For contests, where user-generated content is posted matters For employee-related social media, the full complement of employment law concerns are implicated User guidelines and moderation guidelines Using comments on social media for marketing purposes