TCR Vetting Systems Operational
Code 2136High

Opt-in Instructions Missing Fee Disclosure

Why This Rejection Happens

The "Call-to-Action" (CTA) description you provided does not inform the consumer that they may be charged for receiving messages. You must explicitly state that "Message and data rates may apply" (or "Standard rates apply") is part of your opt-in disclosure.

Common Triggers: Writing a description that summarizes the user flow but forgets to mention the legal fee warning presented to the user.

Root Cause Analysis

Primary Triggers

  • Omission in Text: The actual web form might have the disclosure, but your written summary in the registration portal left it out. The vetting agent checks the text description for completeness.
  • "Texting is Free" Mindset: Assuming that because your service is free, you don't need to warn about carrier fees. This is incorrect; the disclosure refers to the user's mobile plan costs.
  • Shortcuts: Writing "User agrees to terms" instead of "User agrees to terms stating msg & data rates apply."

Required Elements

ElementRequired Phrasing in DescriptionWhy?
Fee Disclosure"msg and data rates may apply"Mandatory legal warning.
Confirmation"user is informed that..."Shows you understand the requirement.
ConsistencyMatch web form / scriptDon't describe it if it's not actually there.

Step-by-Step Remediation

Review Your CTA Description

Go to the "Message Flow" or "Call-to-Action" field in your campaign registration. Read your current text.

Insert the Fee Disclosure

Update the description to confirm that the fee warning is presented to the user.

✓ Compliant Description

"Users opt-in via web form. The form disclosure states: 'Receive SMS alerts from [Brand]. Message and data rates may apply.'"

✗ Non-Compliant Description

"Users opt-in via web form to get alerts."

(Missing fee confirmation.)

Align with Visuals

Ensure that the screenshot or URL you provided actually shows this text. If you claim it's there in the description but the image shows otherwise, you will be rejected for inconsistency.

Carrier-Specific Requirements

T-Mobile

  • Strictly requires the "Message and data rates may apply" disclosure to be part of the initial call-to-action description.

AT&T

  • Will reject descriptions that imply "free" messaging without the carrier fee disclaimer.

MyTCRPlus Tools That Can Help

Campaign Description Generator

Use our wizard to generate a description that includes the mandatory fee disclosure language automatically.

Ensure your actual form has the text you are describing.

Pre-Resubmission Checklist

  • The description text includes "Message and data rates may apply".
  • The visual proof (URL/Image) also shows this text.
  • I have not used "Standard rates apply" unless "Msg & Data" is impossible.
  • I have updated the text in the portal.

Common Mistakes to Avoid

❌ "Texting is free"

Never write "We tell them texting is free" in the description. You must say "We warn them rates may apply."

❌ Paraphrasing

Don't write "We warn about costs." Quote the exact legal phrase: "Message and data rates may apply."

Expected Timeline

This guidance provides general information about 10DLC compliance requirements. Fee disclosures protect businesses from liability regarding carrier charges. Organizations should ensure their descriptions accurately reflect the legal warnings provided to consumers. MyTCRPlus does not provide legal advisory services or regulatory representation.

Need Help Fixing This Issue?

// Specs

Code
2136
Severity
High
Category
10DLC / TCR
Status
Verified 2026

// Tools

Validators, simulators, checklists — pre-flight everything before TCR sees it.

Open Toolbox

RELATED ERROR CODES

// MyTCRPlus Academy

GET CERTIFIED.
STOP REJECTIONS.

24 industry-specific compliance courses for 10DLC, TCR, TCPA, and HIPAA. Prove your expertise. Protect your business.

Browse All 24 Courses →

// Flagship Certifications

// Industry SMS Compliance Courses · 20H · $197 Each

HEALTHCARE

HIPAA & Healthcare SMS Compliance

PHI identifiers, SMS PHI-safe design, and HIPAA-compliant patient messaging workflows.

$197 · ENROLL →

HEALTHCARE

Healthcare & Telehealth SMS Compliance

Dual HIPAA/TCPA compliance for healthcare providers and telehealth platforms.

$197 · ENROLL →

INSURANCE

Insurance Provider SMS Compliance

Seller-specific consent, multi-state compliance, and TCR/TCPA for carriers and agents.

$197 · ENROLL →

AUTOMOTIVE

Automotive Dealership SMS Compliance

Multi-rooftop consent, BDC risk, and service-lane TCPA compliance for dealerships.

$197 · ENROLL →

FINANCE

Financial Services SMS Compliance

Account consent, debt collection rules, and TCR/TCPA for banks, lenders, and financial institutions.

$197 · ENROLL →

REAL ESTATE

Real Estate Messaging Compliance

Agent consent management, portal compliance, and TCPA rules for brokers and real estate platforms.

$197 · ENROLL →

E-COMMERCE

E-Commerce & Retail SMS Compliance

Checkout consent flows, retargeting risk, and TCR/TCPA for retail and e-commerce brands.

$197 · ENROLL →

FRANCHISE

Franchise & Multi-Location SMS Compliance

Consent responsibilities, franchisor oversight, and TCR for multi-location franchise systems.

$197 · ENROLL →

SAAS

SaaS & Software SMS Compliance

User consent, platform liability, and TCR/TCPA compliance for SaaS platforms and software companies.

$197 · ENROLL →

ENTERPRISE

Enterprise Marketing SMS Compliance

Multi-brand consent architecture and large-scale TCR/TCPA compliance for enterprise marketing operations.

$197 · ENROLL →

HOSPITALITY

Hospitality & Travel SMS Compliance

Guest consent, loyalty program messaging, and TCPA compliance for hotels, resorts, and travel brands.

$197 · ENROLL →

LEGAL

Legal Services Messaging Compliance

Intake consent, bar association rules, and TCPA compliance for law firms and legal services providers.

$197 · ENROLL →

EDUCATION

Education & EdTech SMS Compliance

Student consent, FERPA considerations, and TCPA compliance for educational institutions and EdTech platforms.

$197 · ENROLL →

NON-PROFIT

Non-Profit & Political Campaign SMS Compliance

Donor consent, P2P messaging exemptions, and TCPA rules for nonprofits and political organizations.

$197 · ENROLL →

STAFFING

Staffing Agency SMS Compliance

Candidate consent, employer compliance, and TCR/TCPA for staffing and recruiting agencies.

$197 · ENROLL →

EVENTS

Event Ticketing SMS Compliance

Guest consent flows, multi-venue operations, and TCPA compliance for event and ticketing organizations.

$197 · ENROLL →

B2B

Business Services SMS Compliance

B2B consent requirements, field operations compliance, and TCR/TCPA for B2B service providers.

$197 · ENROLL →

PARTNERS

TCR MSP Revenue Program

Training for MSPs and technology partners on building TCR compliance revenue streams and client services.

$197 · ENROLL →

// Stop guessing. Start messaging.

ELIMINATE TCR
REJECTION RISK TODAY

SMB & Enterprise businesses achieve up to 90% approval rates with our diagnostic tools and carrier-validated templates.