TCR Code 1002
Direct Lending Attribute Missing
Configuration Error
Rejection Rate
18%
Avg Fix Time
1 Hour
Success Rate
98%
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
Carrier Requirement: Carriers require strict tagging of financial traffic. Even if you are a car dealership offering "financing options," this flag must often be TRUE.
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
1
Enable the "Direct Lending" Attribute
Navigate to your campaign settings in your CSP portal. Locate the Campaign Attributes or Vertical Settings section.
Settings > Attributes > Direct Lending or Loan Arrangement = TRUE
2
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.
3
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
Related Rejection Codes
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