{
  "id": "MSG-HIGH-RISK-FINANCIAL",
  "slug": "msg-high-risk-financial",
  "title": "No payday, short-term, or high-interest lending content",
  "statement": "Campaign content must not promote payday loans, short-term lending, or high-interest credit offers.",
  "rationale": "High-risk lending is the category most associated with consumer harm complaints on SMS, and it is coded separately from the ordinary direct-lending attribute. The distinction matters: declaring direct lending is a fixable attribute problem, while promoting payday-style credit is a business-model rejection with no remedy.",
  "layer": "MESSAGE_CONTENT",
  "layerSlug": "message-content",
  "object": "campaign.description + campaign.sample[] + campaign.message_flow",
  "severity": "BLOCKING",
  "detectability": [
    "AI_FORM"
  ],
  "failureClass": "HARD_STOP",
  "authorities": [
    "Twilio",
    "TCR",
    "T-Mobile",
    "AT&T",
    "CTIA"
  ],
  "codes": [
    {
      "provider": "Twilio",
      "code": "30942",
      "remediable": false,
      "generation": "gen2"
    }
  ],
  "applicabilityText": "Applies to every 10DLC registration.",
  "universal": true,
  "remediation": "This business model cannot be registered. Regulated lenders sending servicing messages to existing customers are a different category — if that is you, remove the acquisition-style offers and set the direct-lending attribute instead.",
  "catalogIds": [
    "MSG-212"
  ],
  "phase": "approval",
  "automated": true,
  "url": "https://ekas.io/rules/10dlc/message-content/msg-high-risk-financial/",
  "markdown": "https://ekas.io/rules/10dlc/message-content/msg-high-risk-financial.md",
  "registry": "https://ekas.io/rules/10dlc/",
  "updated": "2026-07-25",
  "licence": "CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/"
}