Yes they are strict these days, just got off a FB guidelines meeting last week and few pointers, if that helps.
1) Never use "you" in the ads. For say- Do you need loan?" is also not allowed
2) Dont delete the negative comments on your ads, instead hide them.
3) Dont talk about race, gender, your wife , your husband, your friend
4) Try replying to the messages you get from the users.
5) Engage customers more
These are few i can think of.
FB tracks and gives you a score based on all of these. If you are not following the guidelines, ads can be disapproved and also your page can get slapped.