Compliance
TCPA Considerations for Text-Message Collections
A compliance-oriented checklist for businesses considering automated receivables text messages.
By The CollectInHouse Team · Reviewed August 13, 2026
Text messaging can be convenient, but the TCPA and related rules require fact-specific analysis. This guide is a starting point for program design, not legal advice.
Know the proposed technology
Legal analysis may depend on how numbers are selected and dialed, whether content is prerecorded or generated, the purpose of the message, and who receives it.
Keep evidence
Maintain records of the number source, consent language and date, messages sent, delivery outcomes, opt-outs, reassignment checks where used, and policy changes.
Make stopping easy
Recognize customary opt-out language, suppress further automated messages promptly, and route ambiguous responses for review.
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