Start Mastering the Text Message and Make Next Year Your Best Yet

This article previously appeared on the Ontario Systems Blog and is republished here with permission (and with additional information from insideARM at the bottom).

Text messaging, like any other consumer communications technology, comes with its compliance challenges – especially for the third-party debt collector. Character limitations; consent, revocation, opt in and opt out requirements; along with the requirements of the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA) make many organizations reluctant to engage. But it’s time to engage. Consumers want to text; debt collectors need to text; and fortunately, informal conversations with the Bureau of Consumer Financial Protection (BCFP) suggest the Bureau has an appetite to find a legitimate way for debt collectors to text.

Unlike person to person texting, commercial text messaging is complicated. It’s a heavily regulated practice controlled by a self-regulatory association called the Cellular Telephone Industry Association (CTIA). This means any commercial text messaging service begins with a solid understanding of the compliance requirements associated with text messaging, and the risks, the benefits and the legal liability associated with this form of communication. Let’s begin with the basics. 

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