CTA Missing Fee Disclosure
Why This Rejection Happens
The "Call-to-Action" (CTA) provided in your registration fails to inform the consumer about potential costs. You must explicitly state in your description that the opt-in disclosure includes the phrase "Message and data rates may apply" (or "Standard rates apply").
Common Triggers: A "Text-to-Join" sign that omits the legal fee warning, or a description that summarizes the user flow but forgets to mention the fee disclosure.
Root Cause Analysis
Primary Triggers
- Design Aesthetic: The designer removed the "legal fine print" from the flyer or banner to make it look cleaner, deleting the mandatory fee warning.
- Assumption: Assuming that "everyone has unlimited texting" so the fee warning is unnecessary. Compliance rules require it regardless of consumer plans.
- Incomplete Description: The uploaded image might have the text, but the description field in the portal didn't mention it, causing a mismatch rejection.
Required Elements
| CTA Type | Required Language | Placement |
|---|---|---|
| Physical Signage | "Msg & Data rates may apply" | Bottom/Footer of the sign. |
| Web Form | "Msg & Data rates may apply" | Near the submit button. |
| Verbal Script | "Standard rates may apply" | Spoken during consent. |
Step-by-Step Remediation
Review Your CTA Evidence
Check the image, URL, or script you provided. Does it explicitly say "Message and data rates may apply"?
✓ Compliant CTA
Flyer Footer: "Msg & Data rates may apply. Text HELP for help. Reply STOP to cancel."
✗ Non-Compliant CTA
Flyer Footer: "Text HELP for help. Reply STOP to cancel."
(Missing fee warning.)
Update the Asset
For Images: Add the phrase to the footer of your design.
For Web: Add the phrase to the form disclosure text.
Update the Description
Ensure the text description in the "Call-to-Action" field specifically mentions the fee disclosure.
"The sign includes the disclosure: 'Message and data rates may apply'..."
Carrier-Specific Requirements
T-Mobile
- Strictly requires the fee disclosure to be "clear and conspicuous" at the point of program enrollment.
AT&T
- Will reject descriptions that imply "free" messaging without the carrier fee disclaimer.
MyTCRPlus Tools That Can Help
CTA Validator
Upload your CTA image, and our tool will scan it to verify if the fee disclosure is present.
Use This Tool →Consent Form Builder
Generates compliant HTML/text blocks that always include the mandatory fee clause.
Use This Tool →Pre-Resubmission Checklist
- The CTA (image or URL) includes "Message and data rates may apply".
- The text is legible.
- I have updated the "Call-to-Action" description text to match.
- I have avoided saying "Free SMS" without qualification.
Common Mistakes to Avoid
❌ "Texting is free"
Never write "Texting is free" on your CTA. You must say "Msg & Data rates may apply."
❌ Description Mismatch
If your image has the text but your description omits it, you will be rejected for inconsistency. They must match.
Expected Timeline
This guidance provides general information about 10DLC compliance requirements. Fee disclosures protect businesses from liability regarding carrier charges. Organizations should ensure their opt-in materials accurately reflect the legal warnings provided to consumers. MyTCRPlus does not provide legal advisory services or regulatory representation.