No payday, short-term, or high-interest lending content
The requirementstatement
Campaign content must not promote payday loans, short-term lending, or high-interest credit offers.
- 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.description + campaign.sample[] + campaign.message_flow
- Where it liveslayer
- Message contentMESSAGE_CONTENT
- 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
- TwilioTCRT-MobileAT&TCTIA
- When it appliesapplicabilityText
- Applies to every 10DLC registration.
Why this rule existsrationale
How to fix itremediation
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.
Provider rejection codescodes
The code you get back when this rule is what failed, and whether that provider lets you resubmit.
| Provider | Code | Resubmit |
|---|---|---|
| Twiliogen2 | 30942 | No |
Rules you will hit next
6 other rules read campaign.description + campaign.sample[] + campaign.message_flow. Fixing one field to satisfy a single rule is how a resubmission trades one rejection for another, so read these before you change anything.
MSG-HIGH-RISK-FINANCIAL is one of 122 message content rules in the 915-rule 10DLC registry. Free to cite under CC BY 4.0.