Wander around the Internet long enough and you are bound to run into ads for a new mortgage with a promise of lowering your payments and/or offering other goodies. Some of this advertising (and not just on the Internet) is obviously 'deceptive'.
At this link you will find a great article about this 'practice' and what one Senator in Washington DC is trying to do about it... for now... collect examples of deceptive ads. Please click on that link and read it, also if you know of such deceptive ads be sure to forward those examples to the law maker. All the info you need is provided on the link.