Why This Rejection Happens
Your campaign was flagged by AI content scanners because your Sample Messages or Website Content contain lending terminology, but you did NOT declare this in your attributes.
Root Cause Analysis
Detected Triggers
- Trigger Words: "Approval", "Funded", "Rates", "Credit", "Loan".
- Ambiguity: Real estate agents mentioning "mortgage pre-qual" in texts without the lending attribute.
Step-by-Step Fix
Enable "Direct Lending" Attribute
If you ARE sending lending-related content, simply go to Campaign Attributes and set "Direct Lending or Loan Arrangement" to TRUE. This resolves the mismatch.
Remove Lending Terms (If Not Lending)
If you are NOT a lender (e.g., a credit repair agency or debt relief), remove words like "Loan" or "Lending" from your samples. These industries often have their own specific prohibited content rules.
Related Rejection Codes
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What reviewers check for code 3103
Code 3103 is reported as "Direct Lending Content Mismatch". If messages relate to loans, credit lines, financing or lending offered by the brand, the campaign must declare the Direct Lending attribute, and the content must match. Reviewers compare the website and samples with the declared attributes; lending content without the attribute, or the attribute with mismatched content, causes rejection.
Where code 3103 comes from
Code 3103 is a campaign review reason code used to report a specific deficiency found during manual campaign vetting. CSPs surface it in the rejection notice alongside any other codes found in the same review, so check for companion codes before resubmitting. It is marked High severity: it blocks approval, but it is fully fixable by correcting the submission and resubmitting.
Fix and verify before resubmitting
- Review samples and the website for any reference to loans, financing, credit or payment plans.
- Select the Direct Lending attribute if the brand offers credit or loans in any message.
- Make sure the brand is the actual lender or a licensed party, not a lead generator.
- Align samples with the declared lending product and include required disclosures.
- Resubmit with a description of the lending product and licensing.
- Resubmit with a note that references code 3103 (Direct Lending Content Mismatch) and lists each change made.
Sample resubmission note
Many CSPs let you add a note for the reviewer when you resubmit. A short, specific note shows what changed and speeds up the second review. Example for Cedar Hollow Animal Hospital:
Cedar Hollow Animal Hospital corrected the deficiency reported as code 3103 (Direct Lending Content Mismatch). Changes made: review samples and the website for any reference to loans, financing, credit or payment plans; select the Direct Lending attribute if the brand offers credit or loans in any message; make sure the brand is the actual lender or a licensed party, not a lead generator. All URLs, keywords and auto-replies were re-tested from an external network before this resubmission, and the campaign text now matches the live opt-in exactly.
Common mistakes that keep code 3103 coming back
- Offering financing in promotional texts without declaring the attribute.
- Declaring the attribute but describing a third-party loan marketplace.
- Mixing lending promotions into an account notification campaign.
Related rejection codes
- Code 1002: Direct Lending Attribute Missing
- Code 30895: Direct Lending Attribute Missing
- Code 712: Direct Lending Attribute Missing
- Code 2131: Verbal Script Missing STOP Instructions
- Code 2128: Opt-in Form Missing HELP Instructions
- Code 2127: Verbal Script Missing STOP Instructions
Frequently asked questions about code 3103
We offer customer financing through a partner. Do we need the attribute?
If messages promote or discuss financing, declare it. Reviewers judge content, not who funds the loan.
Will declaring Direct Lending guarantee approval?
No. It is required, but the lending content must also be permitted and the sender must be the lender, not a lead generator.