Why This Rejection Happens
Your campaign involves lending, loan arrangements, or financing, but the Direct Lending or Loan Arrangement attribute in the Campaign Registry settings is set to FALSE.
Root Cause Analysis
Primary Triggers
- Keywords: "Loan", "Rates", "Refinance", "Mortgage", "Funding", "Approval".
- Sample Messages: "Click here to apply for funding" or "Your loan application status."
- Business Type: Mortgage brokers, auto finance, payday lenders (note: payday is often prohibited entirely).
Step-by-Step Remediation
Enable the "Direct Lending" Attribute
Navigate to your campaign settings in your CSP portal. Locate the Campaign Attributes or Vertical Settings section.
Check for Prohibited "Public URL Shorteners"
Lending campaigns are scrutinized heavily. Ensure you are NOT using generic shorteners (bit.ly, goo.gl) in your sample messages. Use a branded domain or full URL.
Resubmit Campaign
Save the changes and resubmit. This fix is typically automated and approved quickly if the content matches the new attribute.
MyTCRPlus Tools That Can Help
Campaign Attribute Checker
Verify which attributes are required for your industry vertical.
Use Case Selector
Ensure your primary use case aligns with the lending attributes.
Related Rejection Codes
Financial Compliance is Complex
Don't guess on attributes. Use our full compliance scan to get it right.
Comprehensive TCR rejection remediation powered by MyTCRPlus.com
What reviewers check for code 1002
Code 1002 is reported as "Direct Lending Attribute Missing". If messages relate to loans, credit lines, financing or lending offered by the brand, the campaign must declare the Direct Lending attribute, and the content must match. Reviewers compare the website and samples with the declared attributes; lending content without the attribute, or the attribute with mismatched content, causes rejection.
Where code 1002 comes from
Code 1002 is a campaign review reason code used to report a specific deficiency found during manual campaign vetting. CSPs surface it in the rejection notice alongside any other codes found in the same review, so check for companion codes before resubmitting. It is marked High severity: it blocks approval, but it is fully fixable by correcting the submission and resubmitting.
Fix and verify before resubmitting
- Review samples and the website for any reference to loans, financing, credit or payment plans.
- Select the Direct Lending attribute if the brand offers credit or loans in any message.
- Make sure the brand is the actual lender or a licensed party, not a lead generator.
- Align samples with the declared lending product and include required disclosures.
- Resubmit with a description of the lending product and licensing.
- Resubmit with a note that references code 1002 (Direct Lending Attribute Missing) and lists each change made.
Sample resubmission note
Many CSPs let you add a note for the reviewer when you resubmit. A short, specific note shows what changed and speeds up the second review. Example for Fernway Goods:
Fernway Goods corrected the deficiency reported as code 1002 (Direct Lending Attribute Missing). Changes made: review samples and the website for any reference to loans, financing, credit or payment plans; select the Direct Lending attribute if the brand offers credit or loans in any message; make sure the brand is the actual lender or a licensed party, not a lead generator. All URLs, keywords and auto-replies were re-tested from an external network before this resubmission, and the campaign text now matches the live opt-in exactly.
Common mistakes that keep code 1002 coming back
- Offering financing in promotional texts without declaring the attribute.
- Declaring the attribute but describing a third-party loan marketplace.
- Mixing lending promotions into an account notification campaign.
Related rejection codes
- Code 3103: Direct Lending Content Mismatch
- Code 30895: Direct Lending Attribute Missing
- Code 712: Direct Lending Attribute Missing
- Code 2131: Verbal Script Missing STOP Instructions
- Code 2128: Opt-in Form Missing HELP Instructions
- Code 2127: Verbal Script Missing STOP Instructions
Frequently asked questions about code 1002
We offer customer financing through a partner. Do we need the attribute?
If messages promote or discuss financing, declare it. Reviewers judge content, not who funds the loan.
Will declaring Direct Lending guarantee approval?
No. It is required, but the lending content must also be permitted and the sender must be the lender, not a lead generator.