# WEB-130 — No high-risk financial services on the site

> 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.

- **Rule ID:** WEB-130
- **Layer:** Website (`WEBSITE`)
- **Checks:** `crawled website content`
- **Severity:** BLOCKING — Breaking this rule gets the submission rejected outright.
- **When it bites:** Gates approval — get this wrong and registration is refused
- **How it is detected:** AI judgement over the crawled website or policy page
- **Fix type:** Hard stop — not remediable, resubmission will not help
- **Required by:** AWS, Bandwidth, Telnyx, Twilio
- **Applies:** Applies to every 10DLC registration.
- **Canonical URL:** https://ekas.io/rules/10dlc/website/web-130/

## Why this rule exists

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.

## How to fix it

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.

## Provider rejection codes

| Provider | Code | Resubmission allowed |
| --- | --- | --- |
| Twilio (gen2) | `30942` | no |
| Bandwidth/DCA | `709` | no |

## 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.