The Telephone Consumer Protection Act (TCPA) requires lenders and lead-gen platforms to obtain your express written consent before contacting you with autodialed or prerecorded calls and texts. It's the federal rule behind every 'By clicking, I agree to be contacted' checkbox.
What counts as consent
A clear, conspicuous disclosure of which parties may contact you, on what channels (calls, texts), using what technology (autodialer, prerecorded voice). The consumer must affirmatively check or click — pre-checked boxes are not valid consent.
Your right to revoke
You can revoke TCPA consent at any time and by any reasonable means — reply STOP to a text, ask a caller to remove you from the list, or email the company directly. Once revoked, further autodialed contact violates federal law and carries $500–$1,500 statutory damages per call/text.
Frequently asked questions
Can a lender call me without TCPA consent?
Only if the call is dialed manually (no autodialer) and is not a prerecorded message. Texts and autodialed calls always require consent.