{
  "id": "WEB-130",
  "slug": "web-130",
  "title": "No high-risk financial services on the site",
  "statement": "The brand website must not host or promote payday and short-term high-interest lending, third-party loan solicitation, debt collection, credit repair, debt forgiveness, crypto or retail investment content.",
  "rationale": "This is the category most associated with consumer-harm complaints on SMS, and AWS records it as not eligible for resubmission at all — a rejection here ends the registration rather than opening a fix loop. The line that decides an outcome is first-party versus third-party: a bank servicing its own loans is a different business from a site that solicits borrowers for other lenders, and the site is where the difference shows.",
  "layer": "WEBSITE",
  "layerSlug": "website",
  "object": "crawled website content",
  "severity": "BLOCKING",
  "detectability": [
    "CRAWL"
  ],
  "failureClass": "HARD_STOP",
  "authorities": [
    "AWS",
    "Bandwidth",
    "Telnyx",
    "Twilio"
  ],
  "codes": [
    {
      "provider": "Twilio",
      "code": "30942",
      "remediable": false,
      "generation": "gen2"
    },
    {
      "provider": "Bandwidth/DCA",
      "code": "709",
      "remediable": false
    }
  ],
  "applicabilityText": "Applies to every 10DLC registration.",
  "universal": true,
  "remediation": "This business model cannot be registered. A regulated lender servicing its own customers is a different category — if that is you, remove the acquisition-style offers from the site and declare the direct-lending attribute instead of concealing the lending.",
  "notes": "AWS states the category is \"not eligible for resubmission under A2P 10DLC\" — permanently non-remediable, unlike most BLOCKING findings. The first-party carve-out is what keeps a licensed lender registrable and must not be dropped: it is the same carve-out MSG-HIGH-RISK-FINANCIAL carries on the message side.",
  "phase": "approval",
  "automated": true,
  "url": "https://ekas.io/rules/10dlc/website/web-130/",
  "markdown": "https://ekas.io/rules/10dlc/website/web-130.md",
  "registry": "https://ekas.io/rules/10dlc/",
  "updated": "2026-07-25",
  "licence": "CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/"
}