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.
- 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
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.
Related Rejections
Financial Messaging?
Lending is high-scrutiny. Ensure your attributes are perfect.
Legal Disclaimer: Code 30895 ensures financial transparency. Misclassifying lending traffic can result in carrier blocking.
© 2025 MyTCRPlus. All rights reserved.