{
  "id": "MSG-215",
  "slug": "msg-215",
  "title": "Samples must not collect information to qualify a consumer for a loan",
  "statement": "Sample messages must not ask the recipient to supply information used to qualify, price or route a loan application.",
  "rationale": "A text asking for the last four of a social security number or the year and mileage of a car is a loan lead-generation funnel wearing the clothes of a service message, and it is refused for two reasons at once: the lending prohibition, and the fact that no legitimate lender collects underwriting data by SMS reply. The consumer harm is direct — an SMS thread is unencrypted, sits in the handset indefinitely, and is the highest-yield place a phishing operator can imitate. Businesses that genuinely lend land here by moving a working web form into a text conversation because the completion rate is better.",
  "layer": "MESSAGE_CONTENT",
  "layerSlug": "message-content",
  "object": "campaign.sample[]",
  "severity": "BLOCKING",
  "detectability": [
    "AI_FORM"
  ],
  "failureClass": "HARD_STOP",
  "authorities": [
    "Twilio",
    "Bandwidth"
  ],
  "codes": [
    {
      "provider": "Twilio",
      "code": "30942",
      "remediable": false,
      "generation": "gen2"
    }
  ],
  "applicabilityText": "Applies to every 10DLC registration.",
  "universal": true,
  "remediation": "Nothing about the phrasing rescues this, because the objection is to collecting the data in the thread at all. Move the whole qualification step behind an authenticated page on your own domain and let the message do nothing but link to it — and if the campaign has no purpose beyond routing loan enquiries, it is not registrable whatever the messages say.",
  "phase": "approval",
  "automated": true,
  "url": "https://ekas.io/rules/10dlc/message-content/msg-215/",
  "markdown": "https://ekas.io/rules/10dlc/message-content/msg-215.md",
  "registry": "https://ekas.io/rules/10dlc/",
  "updated": "2026-07-25",
  "licence": "CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/"
}