Special Ad Categories

As part of our ongoing efforts to promote fairness and equity 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.
  • On January 14, 2025, the CREDIT input will be deprecated, and developers must have migrated to the FINANCIAL_PRODUCTS_SERVICES input. It is recommended that you prioritize this update well in advance of the deprecation date to minimize disruption for your customers.
  • Until the CREDIT input is deprecated, both CREDIT and FINANCIAL_PRODUCTS_SERVICES inputs are available. It is important to note that CREDIT and FINANCIAL_PRODUCTS_SERVICES cannot be selected at the same time for a single campaign. Only one (CREDIT or FINANCIAL_PRODUCTS_SERVICES) may be used of the two choices.
  • 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.

Beginning March 2025, certain customer list custom audiences will become ineligible for usage in the ad sets of housing, employment, and financial products and services, including credit, campaigns for advertisers based in the US or targeting US audiences. You will need to certify if eligible (or remove) any such audiences to successfully create or update the ad set. Learn more about the update here and whether the restrictions apply to you.

All businesses using the Marketing API must identify whether or not new and edited campaigns belong to a Special Ad Category. Current available categories are: housing, employment, credit/finanacial products and services, or issues, elections, and politics.

Limitations

  • 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 credit/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
  • CREDIT or FINANCIAL_PRODUCTS_SERVICES
  • EMPLOYMENT
  • ISSUES_ELECTIONS_POLITICS
  • NONE

Even if the campaign does not contain ads that include housing, employment, credit/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 credit/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.

Example Request

curl -X POST \
  -F 'name="My special category campaign"' \
  -F 'objective="LINK_CLICKS"' \
  -F 'status="PAUSED"' \
  -F 'access_token=<ACCESS_TOKEN>' \
  -F 'special_ad_categories="[\'EMPLOYMENT\']"'\
  https://graph.facebook.com/v21.0/act_<AD_ACCOUNT_ID>/campaigns

Learn more about Special Ad Categories, Ads Help Center.

To create a campaign with multiple categories:


curl -X POST \
-F 'name="My special category campaign"' \
-F 'objective="LINK_CLICKS"' \
-F 'status="PAUSED"' \
-F 'access_token=<ACCESS_TOKEN>' \
-F 'special_ad_categories="[\'EMPLOYMENT\', \'ISSUES_ELECTIONS_POLITICS\']" '\
-F 'special_ad_category_country="[\'US\']" '\
https://graph.facebook.com/v21.0/act_<AD_ACCOUNT_ID>/campaigns

Transition Current Campaigns

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:

  1. Re-create your campaign and specify special_ad_category. See Create a new campaign for details.

  2. 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/v21.0/<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/v21.0/<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 FeaturesRemoved Features
  • Custom Audience Inclusion
  • Custom Audience Exclusion
  • Saved Audiences
  • Lookalike Audiences
  • Certain customer list custom audiences (read more)

For Targeting

Updated FeaturesRemoved Features
  • Custom Age: Options are generally fixed to include ages 18 through 65+ for housing, employment and credit/finanacial product and services ads. However, advertisers running credit opportunity ads in Europe 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
  • Location Exclusion
  • Detailed Targeting Exclusion
  • Detailed Targeting Expansion
  • Interest Exclusion
  • Certain Interest Inclusions
  • Location Selection

Create a New Campaign

To create an Ad Campaign with a special_ad_category, follow the standard campaign creation flow and add special_ad_category. Here is an example:

curl -X POST \
  -F 'name="My special category campaign"' \
  -F 'objective="LINK_CLICKS"' \
  -F 'status="PAUSED"' \
  -F 'access_token=<ACCESS_TOKEN>' \
  -F 'special_ad_category=EMPLOYMENT' \
  https://graph.facebook.com/v21.0/act_<AD_ACCOUNT_ID>/campaigns
	

To create a campaign with NONE as special_ad_category:

curl -X POST \
  -F 'name="My campaign"' \
  -F 'objective="LINK_CLICKS"' \
  -F 'status="PAUSED"' \
  -F 'access_token=<ACCESS_TOKEN>' \
  -F 'special_ad_category=NONE' \
  https://graph.facebook.com/v21.0/act_<AD_ACCOUNT_ID>/campaigns
See the [Campaign reference](/docs/marketing-api/reference/ad-campaign-group) for more infomation.

Social Issues, Elections, and Politics

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:

curl -X POST \
-F 'name="My special category campaign"' \
-F 'objective="LINK_CLICKS"' \
-F 'status="PAUSED"' \
-F 'access_token=<ACCESS_TOKEN>' \
-F 'special_ad_categories="[\'ISSUES_ELECTIONS_POLITICS\']" '\
-F 'special_ad_category_country="[\'US\']" '\
https://graph.facebook.com/v21.0/act_<AD_ACCOUNT_ID>/campaigns

Housing, Employment, and Credit/Financial Products and Services

Advertisers running ads about housing, employment and credit/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 credit/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 credit/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 credit opportunities.

Learn more about compliance and enforcement.

Special Ad Categories for Housing, Employment and Credit/Financial Products and Services Ads in Europe

If you want to reach Europe and run ads related to housing, employment, and credit/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 credit/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:

Audience Changes

Reference

Advertisers offering housing, employment and credit/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 credit/financial products and services ads. However, advertisers running credit opportunity ads 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:

  1. Recommended: Do not specify genders parameters.
  2. Set genders to default values: genders defaults to all genders.

Location Targeting

  • 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
    • Excluding detailed targeting selections
  • 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.
  • Interest Expansion is disabled.

Lookalike Audiences

Lookalike audiences are unavailable for housing, employment, and credit/financial products and services ads.

Customer list custom audiences

For housing, employment, and credit/financial products and services campaigns, you cannot use certain customer list custom audiences if you are a US-based advertiser or your campaign targets US users. Read more about the restrictions here.

To know if your customer list custom audience can be used in a housing, employment, or credit/financial products and services campaigns, you can use the GET /custom_audience_id endpoint.

You must remove ineligible audiences from your ad set to successfully publish. The ineligible audiences will be automatically removed when you use the tune_for_category parameter for your ad set.

For housing, employment, and credit/financial products and services campaigns, you will be required to certify that eligible customer list custom audiences are not based on certain types of information.

To certify, you must pass the is_sac_cfca_terms_certified field when creating or updating the ad set using the following endpoints:

  • POST /{ad-accout-id}/adsets
  • POST /ad_set_id

Example:

curl -X POST \
  -F 'name="Ad Set using customer list custom audience"' \
  -F 'billing_event="IMPRESSIONS"' \
  -F 'optimization_goal="APP_INSTALLS"' \
  -F 'campaign_id="<AD_CAMPAIGN_ID>"' \
  -F 'promoted_object={
       "application_id": "<APP_ID>",
       "object_store_url": "<APP_STORE_URL>"
     }' \
  -F 'targeting={
       "device_platforms": [
         "mobile"
       ],
       "geo_locations": {
         "countries": [
           "US"
         ]
       },
       "publisher_platforms": [
         "facebook",
         "audience_network"
       ]
     }' \
  -F 'is_sac_cfca_terms_certified=true' \
  -F 'status="PAUSED"' \
  -F 'access_token=<ACCESS_TOKEN>' \
  https://graph.facebook.com/v21.0/act_<AD_ACCOUNT_ID>/adsets
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/v21.0/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

Example Response

{
  “id”: “23850663569120499”
  “is_eligible_for_sac_campaigns”: false,
  “__fb_trace_id__”: “B6T80EdcZGN”,
  “__www_request_id__”: “AcjtQwFivFWy3cTMMlr-DJ3”
{

Milestones

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 targeting 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 targeting 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.

Troubleshooting

A campaign, ad set, or ad can be set to WITH_ISSUES, if it can't be delivered for any reason. When reading an object, you can dig into WITH_ISSUES to troubleshoot any problems with that object.

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_codeerror_messageerror_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

2446177

Custom Age Selection Is Not Available

The age range you selected for your audience isn't available when running ads in this Special Ad Category. Select the age range that meets your local and industry requirements for this Special Ad Category.

2446195

Saved Audiences Are Not Available

Using Saved Audiences is unavailable when running ads in this Special Ad Category. To resolve this issue and finish creating your campaign, please remove all selected Saved Audiences.

2446201

Lookalike Audiences Are Not Available

Using Lookalike Audiences is unavailable when running ads in this Special Ad Category. To resolve this issue and finish creating your campaign, please remove all selected Lookalike Audiences. To reach new people, you may create a Special Ad Audience.

2446184

Location Radius Selection Is Not Available

{category} is an unavailable location radius selection when running ads in this Special Ad Category. To resolve this issue and finish creating your campaign, please select a location radius larger than the minimum required from your custom location.

2446188

Detailed Targeting Selection Not Available

The detailed targeting selection {name} ({id}) is unavailable when running ads in this Special Ad Category. To resolve this issue and finish creating your campaign, please remove this targeting selection.

2446186

Location Exclusion Is Not Available

Excluding specific locations is unavailable when running ads in this Special Ad Category. To resolve this issue and finish creating your campaign, please remove all location exclusions.

2446171

Custom Gender Selection Is Not Available

Custom gender selection is unavailable when running ads in this Special Ad Category. To resolve this issue and finish creating your campaign, please update your audience to include all genders

2446183

Location Selection Is Not Available

{category} is an unavailable selection when running ads in this Special Ad Category. To resolve this issue and finish creating your campaign, please remove this location selection. All location selections must include a minimum radius from any selected city, address or custom location. ZIP code selection is unavailable.

2446190

Detailed Targeting Exclusion Is Not Available

Excluding any behaviors, demographics or interests is unavailable when running ads in this Special Ad Category. To resolve this issue and finish creating your campaign, please remove all detailed targeting exclusions.

2446200

Targeting Expansion Is Not Available

Using Targeting Expansion is unavailable when running ads in this Special Ad Category. To resolve this issue and finish creating your campaign, please remove your Targeting Expansion selection.

2446189

Interest Selection Is Not Available

The detailed targeting selection {category} is unavailable when running ads in this Special Ad Category. To resolve this issue and finish creating your campaign, please remove this targeting selection.

2446268

Cannot Use Bid Multipliers

You cannot use bid multipliers under a Special Ad Category.

2446207

Excluding Certain Audiences Is Not Available

Excluding Lookalike audiences and Special Ad Audiences is unavailable when running ads in this Special Ad Category. To resolve this issue and finish creating your campaign, please remove all Lookalike audience and Special Ad Audience exclusions.

3858500

Campaign Has Uncertified customer list custom audiences

Before creating or editing your Ad Set, you must certify that the customer list custom audiences used in the campaign are not based on certain types of information.

3858437

Certain customer list custom audiences Are Not Available

Certain Custom Audiences are unavailable when running ads in this Special Ad Category (housing, employment, or credit/financial products and services). To resolve this issue and finish creating/updating your ad set, please remove the Custom Audience ({id}).

For help reading warnings and errors see our developer blog post about the subject.

Enforcing

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 CREDIT/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.