Direct Lending Attribute Missing

HIGH SEVERITY

18%

Rejection Rate

30 mins

Avg Fix Time

98%

Success Rate

Why This Rejection Happens

This is a specific instance of "Attribute Mismatch." Your campaign content involves loans, credit, mortgages, or financing, but you failed to check the "Direct Lending or Loan Arrangement" attribute box in the campaign settings. This attribute is mandatory for all financial lending traffic.

Common Triggers:

Mortgage brokers sending "Rate Drop" alerts.
Auto dealerships mentioning financing in texts.
Sample messages containing "loan," "lend," "credit," or "funding."
Attribute "Direct Lending" is set to FALSE.

Root Cause Analysis

Regulatory Framework: TCR Campaign Attribute Definitions; Carrier Financial Policies.

Primary Triggers

Keyword Flagging: The system automatically scans your samples for financial keywords. If it finds "loan" but the attribute is missing, it rejects.
Broker vs. Lender: Even if you are just "arranging" the loan (broker) and not funding it, you still must check the attribute "Loan Arrangement."

Step-by-Step Remediation

Check the Box

Log into your CSP portal. Edit the campaign. Find the "Direct Lending or Loan Arrangement" checkbox in the attributes section and select it.

Or, Remove Keywords

If you are NOT actually offering loans (e.g., a Real Estate agent just selling houses), remove words like "financing" or "pre-approved" from your samples to avoid triggering the lending filter.

Pre-Resubmission Checklist

I have enabled the "Direct Lending" attribute.
I confirm I am not a Payday Lender (Code 709).

Fix It Faster

Check your attributes.

Attribute Checker →

Confirm correct settings.

Related Rejections

Code 712 Direct Lending Missing (Duplicate) Code 601 Attribute Mismatch

Financial Messaging?

Lending is high-scrutiny. Ensure your attributes are perfect.

Contact Support Back to Decoder

Legal Disclaimer: Code 30895 ensures financial transparency. Misclassifying lending traffic can result in carrier blocking.