Yes, debt collection agencies must include an opt-out feature when sending text messages to debtors under the Telephone Consumer Protection Act (TCPA) and the (CFPB) regulations.
Key Requirements for Collection Agencies Sending Text Messages:
- Prior Express Consent – Collectors must have prior consent to send text messages to a consumer’s cell phone.
If consent is revoked, they must stop texting. - Opt-Out Requirement – Every text message must include a clear way to opt-out (e.g., “Reply STOP to unsubscribe”). If a consumer opts out, the agency must honor it immediately.
- Fair Debt Collection Practices Act (FDCPA) Compliance – Text messages must not be misleading, harassing, or sent at unreasonable hours. Collectors cannot disclose the debt to third parties through texts.
- CFPB’s Regulation F (Effective Nov 2021) – Limits the number of communications a debt collector can send. Requires texts to contain opt-out language.
What Happens if a Collection Agency Violates These Rules?
✅ Potential TCPA Violations – Consumers may be entitled to $500–$1,500 per illegal text.
✅ FDCPA Violations – If harassment occurs, consumers may sue for damages up to $1,000 per violation.
✅ Legal Action Against Collectors – The Consumer Rights Law Firm PLLC can help stop illegal texts and seek compensation.
What to Do If You’re Getting Unwanted Collection Texts?
📌 Save the Messages – Keep records of text messages for proof.
📌 Reply “STOP” – If they continue, this could be a legal violation.
📌 Contact the Consumer Rights Law Firm PLLC – We can help you take action and stop debt collection harassment.
📞 Call Now: 877-700-5790
📩 Email Us: help@consumerlawfirmcenter.com
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