TCPA compliance
TCPA Compliance
What it governs.
Calls and text messages to mobile numbers. Consent must exist before the contact, not be inferred from it, and a revocation must be honoured in any reasonable manner the consumer chooses to express it.
47 U.S.C. § 227 · 47 C.F.R. § 64.1200 · 12 C.F.R. § 1006.6(e)How consent works here.
A mobile number is callable only while it carries documented consent tied to that account. Consent status is recorded with its source and date, reviewed, and suppressed the moment anything contradicts it — a STOP message, a verbal request, or a report that we have the wrong person.
47 C.F.R. § 64.1200(a) · 12 C.F.R. § 1006.6(c)How we identify ourselves.
Every number we call from is valid, active, callback-capable and traceable to us. We do not spoof or falsify caller identity, and numbers are registered with carrier-level caller ID where that is available.
47 C.F.R. § 64.1601(e) · 15 U.S.C. § 1692e(14)Why we are strict about it.
TCPA exposure is per message, and the consumer who receives a call they did not consent to is usually the wrong person entirely. Getting consent right is the same work as not calling strangers.
Compliance
Call and Text Controls
| Control | Governing authority | Status |
|---|---|---|
| Prior express consent verified before any call or text to a mobile number | 47 U.S.C. § 227(b) · 47 C.F.R. § 64.1200(a) | System-enforced |
| Consent recorded with its source and date, and reviewed | 47 C.F.R. § 64.1200(a)(9) | Documented |
| STOP and other opt-out keywords acted on immediately | 12 C.F.R. § 1006.6(e) · 47 C.F.R. § 64.1200(a)(9)(i) | Immediate |
| Verbal opt-outs on a call carry the same effect as a written one | 12 C.F.R. § 1006.6(c) | Scripted |
| Revocation honoured in any reasonable manner the consumer uses | 47 C.F.R. § 64.1200(a)(9)(i) | System-enforced |
| Wrong-number reports suppress the number on receipt | 47 U.S.C. § 227 · 15 U.S.C. § 1692b(2) | Immediate |
| Reassigned and disconnected numbers retired before dialing | 47 C.F.R. § 64.1200(a)(9) | Pre-verified |
| No prerecorded or artificial-voice message without documented consent | 47 U.S.C. § 227(b)(1)(A) | System-enforced |
| Calls only 8:00 a.m. to 9:00 p.m. in the consumer’s own time zone | 47 C.F.R. § 64.1200(c)(1) · 12 C.F.R. § 1006.6(b)(1)(i) | System-enforced |
| Seven-in-seven call frequency limit, and the seven-day post-conversation rule | 12 C.F.R. § 1006.14(b)(2)(i) | System-enforced |
| Caller identity accurate and traceable; no spoofing | 47 C.F.R. § 64.1601(e) | Registered |
| Required disclosures on every call | 15 U.S.C. § 1692e(11) · 12 C.F.R. § 1006.18(e) | Scripted |
| Calls recorded and scored, with audit trails per communication | State consent statutes | All calls |
| Consent records retained per our schedule and available for audit | 16 C.F.R. § 682.3 | Scheduled |
| Complaints routed to Compliance and answered inside the CFPB window | 12 U.S.C. § 5493(b)(3) | Tracked to closure |
| State calling-time and consent requirements applied | State telemarketing and collection statutes | Per matrix |
Limits
What We Never Do
| Call or text a mobile number without documented consent | 47 U.S.C. § 227(b) | Never |
| Spoof, falsify or mask caller identity | 47 C.F.R. § 64.1601(e) · 15 U.S.C. § 1692e(14) | Never |
| Use a prerecorded or artificial voice absent express consent | 47 U.S.C. § 227(b)(1)(A) | Never |
| Continue contact after any revocation, however it was expressed | 47 C.F.R. § 64.1200(a)(9)(i) | Never |
| Keep dialing a number reported as the wrong person | 15 U.S.C. § 1692b(2) | Never |
| Require a consumer to use a particular form or wording to opt out | 12 C.F.R. § 1006.6(e) | Never |
If we called you and we should not have
Tell us and it stops. You can remove your number directly, ask where we obtained it, or report that we have reached the wrong person — and you do not have to use any particular form of words to do it. Every option is on our Consumer Rights page, or call 833-203-0445.