No high-risk financial services on the site

The requirementstatement

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.

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: crawled website content
Where it liveslayer: WebsiteWEBSITE
How Ekas settles itdetectability: AI · crawlCRAWL; Needs your live site or policy page fetched and read. Ekas crawls it the way a reviewer would.
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: AWSBandwidthTelnyxTwilio
When it appliesapplicabilityText: Applies to every 10DLC registration.

Why this rule existsrationale

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 itremediation

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 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
Bandwidth/DCA	709	No

Notesnotes

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.

Rules you will hit next

6 other rules read crawled website content. Fixing one field to satisfy a single rule is how a resubmission trades one rejection for another, so read these before you change anything.

WEB-122No adult content on the site or any page it links toBlockingBLOCKING WEB-123No hate-group brandBlockingBLOCKING WEB-126No firearms, ammunition or explosives sales on the siteBlockingBLOCKING WEB-127No tobacco or vape product content on the siteBlockingBLOCKING WEB-128No cannabis, CBD, hemp or kratom content anywhere on the siteBlockingBLOCKING WEB-129No gambling content on the siteBlockingBLOCKING

All website rules

WEB-130 is one of 93 website rules in the 915-rule 10DLC registry. Free to cite under CC BY 4.0.