TCR Vetting Systems Operational
TCR Error Database

Opt-in Missing Fee Disclosure

TCR Code  5106 flags opt‑in messages that lack fee disclosure. Learn the required wording, how to embed it, and how to re‑submit for carrier approval with our step‑by‑step guide.

Why This Rejection Happens

The first message sent to the user (the "Opt-in Confirmation") failed to inform them that message and data rates may apply. Even though unlimited plans are common, carriers legally require this fee disclosure in the initial SMS.

Common Triggers: A welcome message that says "Welcome to our club!" but omits the mandatory "Msg & Data rates may apply" text.

Root Cause Analysis

Primary Triggers

  • Assumed Free: The business assumes that because they don't charge a fee, they don't need to warn users. The warning is about carrier charges, not brand charges.
  • Space Saving: The phrase was removed to keep the SMS under 160 characters.
  • Incomplete Template: Using a default "Thank you for subscribing" template that lacks compliance language.

Required Elements

ElementRequired LanguageRationale
Fee Disclosure"Msg & data rates may apply"Legal requirement for consumer awareness.
TimingFirst MessageMust be in the confirmation SMS.
Alternative"Std msg/data rates apply"Acceptable abbreviation.

Step-by-Step Remediation

Review Your "Opt-in Message"

Go to your campaign registration. Look at the "Opt-in Message" or "Sample 1" field.

✓ Compliant Message

"[Brand]: You are subscribed. Msg freq varies. Msg & data rates may apply. Reply HELP for help, STOP to cancel."

✗ Non-Compliant Message

"[Brand]: You are subscribed. Msg freq varies. Reply STOP to cancel."

(Missing fee warning.)

Update Your Platform

Log in to your SMS provider and add the fee disclosure sentence to your automated welcome message.

Update Registration

Paste the updated message text into the TCR portal. Ensure it matches your live system configuration.

Carrier-Specific Requirements

T-Mobile

  • Requires "Msg & data rates may apply" to be present in the first message sent to the handset.

AT&T

  • Will flag messages as non-compliant if they imply "free" messaging without the carrier fee caveat.

MyTCRPlus Tools That Can Help

Message Flow Validator

Check if your Opt-in Message meets all compliance criteria, including fee disclosures.

Keyword Response Generator

Generate a compliant welcome message template that fits within character limits.

Pre-Resubmission Checklist

  • The message includes "Msg & data rates may apply" (or similar).
  • The disclosure is in the first message (Opt-in).
  • I have updated the "Opt-in Message" sample in the portal.
  • I have updated the live platform configuration.

Common Mistakes to Avoid

❌ "Free alerts"

Do not say "Welcome to free alerts" unless you qualify it with "Msg rates may apply." "Free" refers to your subscription fee, not carrier transport fees.

❌ Splitting Messages

Do not put the fee disclosure in a second, separate text. It must be in the initial confirmation message.

Expected Timeline

This guidance provides general information about 10DLC compliance requirements. Fee disclosures protect businesses from consumer complaints regarding unexpected carrier charges. Organizations should ensure their initial confirmation message includes the standard fee warning. MyTCRPlus does not provide legal advisory services or regulatory representation.

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