{
  "id": "BRD-282",
  "slug": "brd-282",
  "title": "Debt collection, debt relief and credit repair brands are not carried",
  "statement": "A brand whose business is third-party debt collection, debt consolidation or relief, or credit repair must not be registered for A2P messaging.",
  "rationale": "These are refused even with documented first-party consent, which is unusual and worth stating plainly: the category is excluded because the consumers reached are in financial distress and the sector has a long history of deceptive practice, so the consent record does not rescue it. Operators who have carefully collected written agreements from enrolled clients are the ones most surprised.",
  "layer": "BRAND",
  "layerSlug": "brand",
  "object": "brand.vertical + brand fields + website content",
  "severity": "BLOCKING",
  "detectability": [
    "AI_FORM"
  ],
  "failureClass": "HARD_STOP",
  "authorities": [
    "Bird",
    "Infobip",
    "Sinch"
  ],
  "codes": [
    {
      "provider": "Sinch",
      "code": "7010",
      "remediable": false
    }
  ],
  "applicabilityText": "Applies to every 10DLC registration.",
  "universal": true,
  "remediation": "Third-party debt and credit-repair businesses cannot be registered, and a signed client agreement does not change that. A business chasing its own invoices should say so explicitly in the brand description, because that is first-party collection and is a different thing.",
  "notes": "Refused \"even with first-party consent\" in the catalog, which is why the remediation says so rather than suggesting better consent records. The campaign-content twin is MSG-DEBT, which carries the same first-party carve-out.",
  "phase": "approval",
  "automated": true,
  "url": "https://ekas.io/rules/10dlc/brand/brd-282/",
  "markdown": "https://ekas.io/rules/10dlc/brand/brd-282.md",
  "registry": "https://ekas.io/rules/10dlc/",
  "updated": "2026-07-25",
  "licence": "CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/"
}