Debt collection, debt relief and credit repair brands are not carried

The requirementstatement

A brand whose business is third-party debt collection, debt consolidation or relief, or credit repair must not be registered for A2P messaging.

Severityseverity: BlockingBLOCKINGBreaking this rule gets the submission rejected. There is no partial credit.
When it bitesphase: Gates approvalapprovalGet this wrong and the brand or campaign is refused at registration.
What is checkedobject: brand.vertical + brand fields + website content
Where it liveslayer: BrandBRAND
How Ekas settles itdetectability: AI · formAI_FORM; A semantic question about what you wrote: whether a description matches a use case, whether a name looks like a filed entity. Judged by a model against written criteria.
What the fix involvesfailureClass: Hard stopHARD_STOP; Not remediable. Resubmitting will not help, and anyone offering to fix it is selling you a rejection.
Who requires itauthorities: BirdInfobipSinch
When it appliesapplicabilityText: Applies to every 10DLC registration.

Why this rule existsrationale

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.

How to fix itremediation

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.

Provider rejection codescodes

The code you get back when this rule is what failed, and whether that provider lets you resubmit.

Provider	Code	Resubmit
Sinch	7010	No

Notesnotes

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.

Rules you will hit next

6 other rules read brand.vertical + brand fields + website content. Fixing one field to satisfy a single rule is how a resubmission trades one rejection for another, so read these before you change anything.

BRD-275Brands that buy, sell or share consumer data are not carriedBlockingBLOCKING BRD-276Gambling, betting and lottery brands are not carriedBlockingBLOCKING BRD-277High-risk financial services brands are not carriedBlockingBLOCKING BRD-278Cannabis, CBD and related brands are not carried, whatever the trafficBlockingBLOCKING BRD-279Third-party job boards are not carriedBlockingBLOCKING BRD-281Sweepstakes brands are not carriedBlockingBLOCKING

All brand rules

BRD-282 is one of 196 brand rules in the 915-rule 10DLC registry. Free to cite under CC BY 4.0.