Samples must not collect information to qualify a consumer for a loan

JSONMarkdown

The requirementstatement

Sample messages must not ask the recipient to supply information used to qualify, price or route a loan application.

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
campaign.sample[]
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
TwilioBandwidth
When it appliesapplicabilityText
Applies to every 10DLC registration.

Why this rule existsrationale

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.

How to fix itremediation

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.

Provider rejection codescodes

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

ProviderCodeResubmit
Twiliogen230942No

Rules you will hit next

6 other rules read campaign.sample[]. Fixing one field to satisfy a single rule is how a resubmission trades one rejection for another, so read these before you change anything.

CMP-SAMPLE-COUNTAt least two sample messages are requiredBlockingBLOCKINGCMP-SAMPLE-LENEach sample message must be 20–1024 charactersBlockingBLOCKINGMSG-031Sample messages must be in EnglishBlockingBLOCKINGMSG-042Every message must identify who is sending itBlockingBLOCKINGMSG-171Messages must not harass, intimidate or threaten the recipientBlockingBLOCKINGMSG-210A political donation programme may not include gaming-related fundraisingBlockingBLOCKING

All message content rules

MSG-215 is one of 122 message content rules in the 915-rule 10DLC registry. Free to cite under CC BY 4.0.

Reading the rules is the easy part.

Ekas runs every rule that gates approval, 823 of these 915, against your registration before it reaches the carrier. It reads your site, your policy pages and your opt-in the way a reviewer would, and hands you the fix, not just the verdict.

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