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TCR Registration Mastery - Complete Guide to 10DLC Compliance

TCR REGISTRATION
MASTERY

Complete Guide to 10DLC Campaign Registry Compliance
The Definitive Registration Framework for Business Messaging
40% First-Time Approval Rate Carrier Compliant 2025 Standards

About This Guide

This comprehensive resource addresses The Campaign Registry (TCR) registration requirements for Application-to-Person (A2P) messaging through 10-Digit Long Code (10DLC) phone numbers. Organizations implementing SMS marketing, transactional notifications, or customer care messaging must complete TCR vetting before carriers deliver messages.

TCR registration operates through a two-phase system: Brand Registration establishes corporate identity; Campaign Registration defines specific messaging programs. Failure rates exceed 40% for first-time submissions, with $40 resubmission fees compounding across rejections. This guide eliminates registration failures through systematic documentation preparation and compliance-first architecture.

Target Audience

Compliance officers, operations directors, marketing executives, technical decision-makers, sole proprietors, and multi-location business operators implementing 10DLC messaging infrastructure.

Scope

Brand vetting requirements, campaign approval workflows, documentation standards, consent management frameworks, rejection remediation protocols, and carrier-specific requirements across T-Mobile, AT&T, and Verizon networks.

SECTION 1: TCR FUNDAMENTALS

Understanding The Campaign Registry

The Campaign Registry serves as the centralized authority managing 10DLC Application-to-Person messaging registration throughout U.S. wireless networks. Cellular Telecommunications Industry Association (CTIA) authorization enables TCR to verify business legitimacy, assign trust scores determining throughput limits, and monitor messaging patterns across carrier infrastructure.

Major wireless carriers implemented TCR requirements following industry-wide spam escalation that degraded subscriber experience and network integrity. AT&T, T-Mobile, and Verizon enforce registration mandates, blocking unregistered traffic as of February 2025. Registration validates sender identity while protecting consumers from fraudulent communications.

TCR examines business credentials through external verification systems, evaluating corporate registration documentation, tax identification records, domain ownership, online reputation signals, and operational history. Trust scores ranging from 0-100 determine daily message throughput, with scores below 50 triggering manual carrier review extending approval timelines by 7-10 business days.

The Two-Step Registration Framework

Phase 1: Brand Registration

Brand Registration establishes corporate identity within the messaging ecosystem, separate from any specific campaign or use case. This foundational step creates the verified business entity profile that all subsequent campaigns reference.

Required Documentation:

  1. Legal business name matching corporate registration
  2. Employer Identification Number (EIN) or Tax ID verification
  3. Business entity classification (corporation, LLC, partnership, sole proprietor)
  4. Physical business address with proof of occupancy
  5. Primary business website URL with active content
  6. Corporate email address using business domain
  7. Business formation documents or Articles of Incorporation
  8. Tax registration verification from IRS
  9. DUNS number for enhanced trust score (optional but recommended)

Trust Score Assignment

TCR assigns numerical trust scores (0-100 scale) based on verification results and reputation signals. Scores determine campaign throughput limits and approval speed:

Score Range Throughput Limit Approval Process Business Impact
75-100 Up to 4,500 msg/min Automated Immediate campaign deployment
50-74 Up to 600 msg/min Automated with spot checks Standard approval timeline
25-49 Up to 60 msg/min Manual review required 7-10 day delays
0-24 Blocked pending remediation Manual + carrier escalation Severe operational restrictions

Timeline Expectations:

  • Straightforward registrations: 2-4 business days
  • External vetting required: 5-10 business days
  • Sole proprietors without EIN: Variable, with increased scrutiny
  • Recently incorporated entities: Additional verification delays possible

Phase 2: Campaign Registration

Campaign Registration defines specific messaging use cases under the verified brand umbrella. Organizations typically operate multiple campaigns representing different communication types: marketing promotions, appointment reminders, account notifications, two-factor authentication.

Use Case Categories:

  • Customer Care: Support inquiries, account assistance, service status updates
  • Delivery Notifications: Shipping confirmations, tracking updates, delivery alerts
  • Account Notifications: Security alerts, balance updates, account changes
  • Marketing: Promotional offers, product announcements, sales communications
  • Higher Education: Campus alerts, course notifications, administrative communications
  • Low Volume Mixed: Combined transactional and promotional (6,000 msg/day limit)
  • 2FA (Two-Factor Authentication): Security codes, login verification
  • Polling & Voting: Surveys, feedback collection, election communications
  • Public Service Announcements: Emergency alerts, community notifications
  • Charity: Fundraising, volunteer coordination, donor communications

Why Registration Matters

Message Deliverability

Unregistered 10DLC traffic faces immediate blocking across all major U.S. carriers effective February 2025. Messages from unregistered senders never reach subscriber devices, eliminating ROI from SMS marketing investments and disrupting critical transactional communications.

Registered campaigns with compliant documentation achieve 95-98% deliverability rates compared to 60-75% for legacy unregistered systems. Carrier filtering algorithms prioritize TCR-verified traffic, reducing spam false positives that plague unregistered senders.

Throughput Optimization

Trust scores directly control message throughput limits per phone number. High-scoring brands achieve 4,500 messages per minute per campaign, enabling large-scale promotional sends and high-volume transactional systems. Low scores restrict throughput to 60 messages per minute, creating operational bottlenecks.

Regulatory Compliance

TCR registration supports Telephone Consumer Protection Act (TCPA) compliance by documenting consent collection methodologies and opt-out mechanisms. While registration doesn't guarantee TCPA compliance, it provides audit-ready documentation demonstrating good-faith compliance efforts.

⚠️ Legal Exposure: TCPA violations carry statutory damages of $500-$1,500 per message, with class-action exposure reaching millions in aggregate penalties. Documented consent workflows and proper opt-out processing reduce legal exposure during litigation discovery.

SECTION 2: BRAND REGISTRATION DEEP DIVE

Business Entity Requirements

Entity Type Considerations

Corporations & LLCs receive preferential treatment during TCR vetting, with streamlined verification processes and higher baseline trust scores. State business registrations, Secretary of State filings, and corporate tax IDs provide clear verification pathways that accelerate approval.

Sole Proprietors face additional documentation requirements and increased scrutiny. Operating under personal Social Security Numbers creates verification complications that delay processing and limit trust score potential. Obtaining an EIN before registration substantially improves approval probability.

The EIN Imperative for Sole Proprietors

Employer Identification Numbers separate business identity from personal identification, creating professional credibility that influences TCR trust score assignment. The IRS online EIN application requires 15 minutes, processing immediately upon submission with no fees.

EIN Benefits:
  • Eliminates personal SSN exposure across business applications
  • Demonstrates professional business operation commitment
  • Accelerates TCR verification through IRS database matching
  • Enables business banking relationships and vendor credit
  • Simplifies future employee hiring and contractor payments
  • Improves trust score calculation through formal business identification

Documentation Checklist

Core Identity Documents:

  • Articles of Incorporation or LLC Operating Agreement
  • IRS EIN Assignment Letter (CP 575 or SS-4 confirmation)
  • State business registration certificate
  • Business license from local jurisdiction
  • DBA (Doing Business As) registration if operating under assumed name
  • Corporate bylaws or partnership agreements
  • Tax identification verification (IRS transcripts or filing confirmations)

Operational Verification:

  • Active website with complete business information
  • Privacy policy document with SMS-specific disclosures
  • Terms of service covering message program participation
  • Physical address verification (utility bill, lease agreement, property deed)
  • Corporate email using business domain (no free email services)
  • Business phone number verification
  • Professional email signatures with corporate branding

Enhanced Trust Elements (Optional but Recommended):

  • DUNS number from Dun & Bradstreet
  • Better Business Bureau accreditation
  • Industry-specific licenses or certifications
  • Professional association memberships
  • Customer reviews on Google, Yelp, Trustpilot (4+ star average)
  • LinkedIn company page with employee profiles
  • Social media presence (Facebook, Twitter business accounts)
  • Press mentions or media coverage

Website Compliance Standards

Required Content Elements

TCR vetting systems crawl registered URLs verifying content alignment with stated business model. Websites must demonstrate legitimate business operations through complete information architecture.

Mandatory Sections:

  1. About page describing business history, mission, and operations
  2. Contact information including physical address, phone, email
  3. Privacy policy with SMS messaging disclosures
  4. Terms of service covering message programs
  5. Product or service descriptions matching campaign use cases
  6. Clear business name matching registration application

SMS-Specific Privacy Language:

SMS PROGRAM PARTICIPATION By providing your mobile number and opting in to our SMS program, you consent to receive automated marketing messages from [BUSINESS NAME] at the phone number provided. Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Text HELP for assistance or STOP to unsubscribe from future messages. Carrier message and data rates may apply. For more information, review our Privacy Policy at [URL]. Participating carriers include AT&T, T-Mobile, Verizon, Sprint, Boost Mobile, and other major U.S. carriers. We do not charge for text messages, but your carrier's message and data rates may apply.

Technical Validation Checklist:

  • SSL certificate installed (HTTPS encryption)
  • Domain matches business registration name
  • Mobile-responsive design for all device types
  • Fast load times (<3 seconds for homepage)
  • Professional design quality (no template placeholders)
  • Contact forms functional and monitored
  • No broken links or 404 errors
  • Business hours and location information current
  • Professional email addresses (no Gmail/Yahoo)
  • Current copyright year in footer

Trust Score Optimization

Factors Influencing Scores

Business Age & History:

  • Domain registration age (6+ months preferred)
  • Years in operation under current business structure
  • Historical messaging patterns (if any)
  • Industry longevity and market presence

Verification Depth:

  • DUNS number obtained and linked (+10-15 points)
  • External vetting through Aegis Mobile or WMC Global
  • Tax ID verification through IRS database matching
  • Business address validation via postal service databases

Online Reputation:

  • Customer review presence and average ratings
  • Better Business Bureau ratings or accreditation
  • Industry certifications and professional memberships
  • Media mentions and press coverage
  • Social proof elements (follower counts, engagement metrics)

Strategic Improvements - Pre-Registration Actions:

  • Obtain DUNS number 30+ days before registration
  • Establish Google Business Profile with reviews
  • Age domain 6+ months before application
  • Build social media presence with regular posts
  • Implement comprehensive privacy policy
  • Create professional About and Contact pages
  • Secure industry-specific licenses or certifications

SECTION 3: CAMPAIGN REGISTRATION MASTERY

Use Case Selection Strategy

Classification Framework

Customer Care covers support communications, account inquiries, service status updates, and troubleshooting assistance. This use case receives favorable carrier treatment with streamlined approval for established businesses.

Marketing encompasses promotional offers, product announcements, sales events, and brand communications. Highest scrutiny category requiring explicit opt-in consent documentation and complete sample message sets.

Delivery Notifications includes order confirmations, shipping updates, tracking information, and delivery status alerts. Transactional nature enables automated approval for brands with moderate trust scores.

Message Type Appropriate Use Case Required Documentation
"Your order #12345 shipped today" Delivery Notifications Purchase history, fulfillment system
"Flash Sale: 50% off today only" Marketing Opt-in consent, terms acceptance
"Your account balance is $50.23" Account Notifications Customer relationship, login system
"Your login code is 847392" 2FA Multi-factor auth system documentation
"Reply YES to confirm appointment" Customer Care Service request workflow

Sample Message Requirements

Mandatory Elements

Every sample must include:

  • Brand Name: Legal business name or recognized DBA
  • Opt-Out Language: "Reply STOP to unsubscribe" or equivalent
  • Message Type Indicator: Transactional vs promotional clarity
  • Complete Context: Variables populated with realistic examples
  • Character Count: Realistic message length (no truncation)

Examples:

Account Notification: ABC Bank: Your savings account ending in 1234 balance is $1,234.56 as of 11/06/25. Reply STOP to opt out. Msg&data rates may apply.
Marketing Promotion: SpringClean Co: FLASH SALE! 40% off all services booked this weekend. Use code FLASH40 at checkout: springclean.com/book Reply STOP to unsubscribe.
Delivery Update: FastShip: Your order #78942 containing blue widget was delivered at 2:30 PM to your front door. Track all orders at fastship.com/track Reply STOP to opt out.

Common Rejection Triggers:

  • Insufficient Samples: Submitting identical messages with minor variations
  • Missing Opt-Out: Samples lacking "Reply STOP" language
  • Variable Placeholders: Using brackets [NAME] or curly braces {ORDER_ID}
  • URL Shorteners: Bit.ly, TinyURL trigger security flags
  • Prohibited Content: Cannabis, debt collection, pharmaceutical sales, payday loans, cryptocurrency

Opt-In Methodology Documentation

Consent Collection Standards

Telephone Consumer Protection Act (TCPA) mandates express written consent before sending marketing messages. TCR requires documentation proving consent collection methodology alignment with regulatory standards.

Required Documentation:

  1. Screenshot of web form with consent checkbox
  2. Copy of SMS terms and conditions
  3. Consent language verbatim transcription
  4. Timestamp and IP logging confirmation
  5. Database schema showing consent field storage
  6. Opt-in confirmation message template
  7. Double opt-in workflow (if implemented)

Compliant Consent Language:

☐ I agree to receive promotional text messages from [BUSINESS NAME] at the mobile number provided. I understand that consent is not required as a condition of purchase, and I can opt out at any time by replying STOP. Message frequency varies. Message and data rates may apply. View our Privacy Policy at [URL] and Terms of Service at [URL].

Critical Elements:

  • Checkbox unchecked by default (no pre-checked boxes)
  • Clear statement of what subscriber receives
  • Explicit brand identification
  • "Not a condition of purchase" disclosure
  • Opt-out mechanism explanation
  • Cost disclosure (message and data rates)
  • Frequency expectation (daily, weekly, promotional)
  • Policy links for full terms

Collection Methods

Website Forms: Most common method requiring screenshot evidence showing complete form including consent checkbox, privacy policy link, terms acceptance, and submit button.

Point of Sale: Requires documentation showing customer-facing display, staff training materials, and consent capture mechanism.

SMS Keyword: Subscriber texting JOIN or START to short code or 10DLC number. Requires welcome message template explaining program and confirming opt-in.

Help and Stop Message Templates

Help Response Requirements

HELP keyword triggers must return informational message including:

  • Business name and brand identification
  • Brief program description
  • Support contact information (phone, email, or web)
  • Opt-out instructions
  • Additional information URL
HELP Template: [BUSINESS NAME] SMS Program: You're receiving [notifications/marketing/updates] from our service. For help, contact support@business.com or call 555-0100. Reply STOP to unsubscribe. More info: business.com/sms

Stop Processing Standards

STOP keyword and variations (STOP, STOPALL, UNSUBSCRIBE, CANCEL, END, QUIT) trigger immediate opt-out processing removing subscriber from all future campaigns.

STOP Template: [BUSINESS NAME]: You're unsubscribed and won't receive further messages. To rejoin, text START or visit business.com/sms Standard msg&data rates may apply.

Technical Requirements:

  • Immediate processing (within seconds of receipt)
  • Confirmation message sent before suppression
  • All campaigns under brand suppressed
  • Persistent suppression (manual removal only)
  • No re-enrollment without explicit new consent
  • Carrier-level opt-out honored across provider switches

SECTION 4: REJECTION REMEDIATION FRAMEWORK

Top 5 Documentation Failures

Failure 1: EIN Verification Mismatch

Symptoms: Brand registration rejected with error code indicating EIN cannot be verified or doesn't match business entity.

Root Causes:

  • EIN entered incorrectly (transposed digits, formatting errors)
  • Business entity type mismatch (sole proprietor using corporate EIN)
  • Recently obtained EIN not yet propagated to IRS verification databases
  • Business name on application differs from IRS records
  • Using SSN instead of EIN for formal business structure

Remediation Steps:

  1. Verify EIN accuracy against IRS CP 575 confirmation letter
  2. Confirm entity type matches IRS records exactly
  3. Obtain IRS EIN Verification Letter (Form 147c) if recently assigned
  4. Align business name precisely with IRS registration
  5. Sole proprietors: Obtain EIN instead of attempting SSN registration
  6. Allow 2-4 weeks for new EIN propagation before re-registration
  7. Submit IRS documentation directly to CSP support if verification fails

Failure 2: Insufficient Sample Messages

Symptoms: Campaign rejected for inadequate, unclear, or non-representative samples.

Before (Rejected):

Sample 1: Hi {NAME}, your {ORDER_TYPE} is ready. Thanks! Sample 2: Hello {NAME}, your {ORDER_TYPE} has shipped. Thanks! Sample 3: Hey {NAME}, your {ORDER_TYPE} arrived. Thanks!

After (Approved):

Sample 1: GreenGarden Co: Your Premium Rose Bushes order #45782 is ready for pickup at our Riverside location. Hours: Mon-Sat 9AM-6PM. Reply STOP to opt out. Sample 2: GreenGarden Co: Your Spring Bulb order #45783 shipped via USPS and will arrive by Nov 10. Track at greengarden.com/track Reply STOP to unsubscribe. Sample 3: GreenGarden Co: Your Organic Fertilizer order #45784 was delivered to your front porch at 2:30 PM today. Need help? Visit greengarden.com/support Reply STOP.

Failure 3: Website Compliance Violations

Symptoms: Brand rejected for website issues including missing privacy policy, incomplete SMS disclosures, or non-functional contact information.

Remediation Steps:

  • Add comprehensive SMS program section to privacy policy
  • Include specific opt-out instructions and cost disclosures
  • Display physical business address prominently
  • Provide working phone number and email address using business domain
  • Ensure all pages load properly on mobile devices
  • Remove placeholder content and template text
  • Install SSL certificate for HTTPS encryption
  • Test site accessibility from multiple devices and browsers

Required Privacy Policy Section:

SMS MESSAGING TERMS By opting into our SMS program, you agree to receive automated marketing and transactional messages from [BUSINESS NAME]. Consent is not required for purchase. Message frequency varies based on your activity and preferences. Message and data rates may apply depending on your mobile carrier plan. We do not charge for messages, but your carrier's standard rates apply. To opt out at any time, reply STOP to any message. You'll receive one final confirmation message. To get help, reply HELP or contact us at support@business.com. We do not share your mobile number with third parties for their marketing purposes. Review our complete Privacy Policy at [URL] for data handling practices. Supported carriers include [list major carriers]. Service may not be available on all carrier networks.

Failure 4: Use Case Misalignment

Symptoms: Campaign rejected because message samples don't match selected use case category.

Promotional Indicators (Avoid in Transactional):

  • Discount offers or sale announcements
  • Product recommendations unrelated to prior purchase
  • Marketing language ("Don't miss out," "Limited time")
  • Call-to-action for new purchases
  • Urgency tactics ("Act now," "Today only")

Failure 5: Inadequate Consent Documentation

Symptoms: Campaign rejected for insufficient proof of opt-in methodology or consent collection process.

Complete Consent Form Checklist:

  • Consent checkbox visible and unchecked
  • Explicit statement of what messages subscriber receives
  • Brand name clearly identified
  • Message frequency disclosed (daily, weekly, promotional)
  • "Not a condition of purchase" statement present
  • Opt-out mechanism explained
  • "Message and data rates may apply" disclosure
  • Privacy policy link functional and accessible
  • Terms of service link included
  • Submit button and required field indicators visible

Error Code Reference

Critical Error Codes

9106: MISSING_OPT_OUT

Every sample message must include clear opt-out language. Minimum acceptable: "Reply STOP to unsubscribe" or "Text STOP to opt out."

Remediation: Add "Reply STOP to unsubscribe" to end of every sample message. Include brand name and note about message/data rates. Resubmit with corrected samples.

9607: CONSENT_VERIFICATION_FAILURE

TCR cannot verify consent collection methodology matches claimed process. Documentation insufficient, unclear, or missing required elements.

Remediation: Provide complete screenshot showing entire opt-in form. Include surrounding context demonstrating form purpose and placement. Add consent language verbatim transcript. Show confirmation message template.

9108: PRIVACY_POLICY_NON_COMPLIANT

Website privacy policy lacks SMS-specific disclosures, doesn't address message programs, or contains insufficient opt-out information.

Remediation: Add dedicated SMS program section to privacy policy covering: what messages subscribers receive, message frequency, cost disclosure, opt-out instructions, data retention practices, third-party sharing policies.

VETTING_REQUIRED

Brand trust signals insufficient for automated approval. Requires third-party verification through Aegis Mobile or WMC Global.

Remediation: Obtain DUNS number. Submit additional business documentation (tax returns, bank statements, business licenses). Age domain 6+ months before resubmission. Build online review presence. Consider external vetting service investment ($300-$600).

SECTION 5: CARRIER-SPECIFIC REQUIREMENTS

T-Mobile Standards

Registration Requirements

T-Mobile enforces mandatory 10DLC registration with zero exceptions for commercial messaging. Traffic from unregistered senders faces immediate blocking at network edge servers.

Content Restrictions:

  • Cannabis products absolutely prohibited (even in legal states)
  • High-risk financial services (payday loans, debt relief) restricted
  • SHAFT content (Sex, Hate, Alcohol, Firearms, Tobacco) blocked
  • Cryptocurrency and NFT promotions face elevated scrutiny
  • Phishing simulation requires pre-approval documentation

Message Standards

Required Elements:

  • Brand name in every message (no abbreviations unless registered)
  • Clear opt-out instructions in initial message
  • No deceptive subject lines or misleading content
  • URLs must use branded domains (no generic shorteners)
  • Character limits enforced (160 for single SMS segment)

AT&T Standards

Code of Conduct Enforcement

AT&T maintains comprehensive Code of Conduct covering technical, content, and operational messaging requirements. Violations trigger graduated response escalation.

Enforcement Graduated Response:

  1. Warning notification for first violation
  2. Throughput throttling for repeated issues
  3. Campaign suspension for serious violations
  4. Sender suspension for fraud or illegal content
  5. Permanent blocklist with cross-carrier coordination

Spam Detection

AT&T implements machine learning algorithms analyzing messaging patterns for spam indicators:

  • Volume spikes inconsistent with normal patterns
  • Keyword stuffing and manipulation attempts
  • High unsubscribe rates (>0.5% triggers review)
  • Subscriber complaints forwarded to shortcode 7726
  • Content similarity to known spam templates

Verizon Standards

Registration Validation

Verizon requires EIN or Tax ID verification for all brand registrations, with strict entity matching requirements.

Trust Score Messages/Second Daily Limit
75-100 75 msg/sec 4,500,000
50-74 10 msg/sec 600,000
25-49 1 msg/sec 60,000
0-24 Blocked 0

Content Filtering

Verizon monitors messaging patterns through behavioral algorithms detecting:

  • Abnormal volume spikes (>200% day-over-day increase)
  • Keyword stuffing and filtering evasion attempts
  • High opt-out rates (>1% triggers immediate review)
  • Subscriber complaints (automated blocking at threshold)
  • Content policy violations flagged by subscribers

SECTION 6: COMPLIANCE MAINTENANCE

Post-Approval Requirements

Campaign Health Monitoring

TCR registration approval marks the beginning of ongoing compliance obligations, not completion. Carriers monitor campaign performance continuously, adjusting throughput or suspending operations when metrics deteriorate.

Key Performance Indicators:

  • Opt-out rate (<0.5% acceptable, >1% triggers review)
  • Spam complaint rate (<0.1% threshold)
  • Message delivery failure rate
  • Subscriber engagement (response rates, click-throughs)
  • Content consistency with registered samples

Monthly Audit Protocol:

  • Review opt-out processing for proper keyword handling
  • Verify sample messages still represent actual content
  • Check website privacy policy remains current
  • Confirm consent collection process unchanged
  • Audit sender ID consistency across messages
  • Test HELP and STOP keywords for proper responses
  • Review subscriber complaints for pattern identification

Trust Score Maintenance

Score Monitoring

Trust scores remain dynamic throughout campaign lifecycle. Carrier feedback, complaint rates, and messaging patterns influence ongoing adjustments.

Factors Causing Score Decreases:

  • Elevated opt-out rates
  • Subscriber complaints to carriers
  • Content policy violations
  • Throughput abuse or velocity violations
  • Website becoming non-compliant
  • Business reputation degradation

Recovery Strategies:

  • Address underlying complaint causes
  • Improve message relevance and targeting
  • Reduce frequency to optimal engagement levels
  • Refresh consent base with reconfirmation campaigns
  • Enhance website compliance and professionalism
  • Obtain external vetting if not previously completed

Regulatory Updates

Monitoring Requirements

Telecommunications compliance landscape evolves continuously through FCC rulemaking, carrier policy updates, and industry standard adjustments.

Information Sources:

  • CTIA (Cellular Telecommunications Industry Association) announcements
  • TCR policy update notifications
  • Carrier-specific policy portals (T-Mobile, AT&T, Verizon)
  • FCC consumer protection division releases
  • Industry trade publications and compliance newsletters
  • Legal counsel specializing in telecommunications

SECTION 7: INDUSTRY-SPECIFIC GUIDANCE

Healthcare Messaging

HIPAA Integration

Healthcare providers face dual compliance requirements: TCR registration plus Health Insurance Portability and Accountability Act (HIPAA) protected health information (PHI) safeguards.

PHI Considerations:

  • Appointment reminders must not disclose condition or specialist type
  • Prescription notifications require generic medication references
  • Test results cannot transmit via SMS (link to secure portal instead)
  • Billing communications exclude diagnosis codes or procedure details
  • All PHI transmission requires explicit patient consent beyond TCPA opt-in

Example - Rejected:

"Your diabetes medication is ready for pickup at CVS Pharmacy on Main St. Reply STOP to opt out." (Contains PHI - medication name reveals condition)

Example - Approved:

"HealthClinic: Your prescription is ready for pickup at our Main St location. Show ID when collecting. Reply STOP to unsubscribe." (Generic reference, no condition disclosure)

Financial Services

Regulatory Overlap

Financial institutions navigate overlapping jurisdictions: TCR/10DLC, TCPA, Gramm-Leach-Bliley Act (GLBA), state banking regulations, Federal Trade Commission guidelines.

Content Restrictions:

  • Account balance disclosures require secure authentication
  • Transaction alerts must not reveal merchant details enabling fraud
  • Credit limit changes need secure portal links (no sensitive data in SMS)
  • Fraud alerts permitted without opt-in (legitimate interest exception)
  • Marketing offers require explicit consent distinct from account relationship

E-commerce & Retail

Transaction Integration

Retail messaging typically spans multiple use cases requiring separate campaign registrations.

Campaign Architecture:

  • Order Confirmations: Delivery Notifications - Purchase confirmation with order number, payment processing completion
  • Shipping Updates: Delivery Notifications - Fulfillment status changes, carrier tracking updates
  • Promotional Offers: Marketing - Sales events, flash deals, new product announcements
  • Customer Support: Customer Care - Order issue resolution, return status updates

Consent Separation:

Transactional consent (order confirmations, shipping) flows naturally from purchase completion. Marketing consent requires explicit separate opt-in with clear frequency disclosure. Bundling consent creates TCPA exposure.

SECTION 8: ADVANCED STRATEGIES

External Vetting Investment

Vetting Services Overview

Third-party verification through Aegis Mobile, WMC Global, or similar providers substantially improves trust scores through independent business legitimacy confirmation.

Service Level Cost Timeline Trust Score Impact Recommended For
Standard Vetting $300-$500 5-7 days +10-15 points Mid-market businesses
Enhanced Vetting $500-$800 7-10 days +15-25 points High-volume senders
Enterprise Verification $1,000+ 10-14 days +25-40 points Fortune 500, high-risk verticals

ROI Calculation

Trust score improvement from 45 to 75 increases throughput from 60 msg/min to 600 msg/min (10x capacity). For business sending 100,000 messages monthly, this eliminates infrastructure costs for additional phone numbers and reduces time-to-send from hours to minutes.

External vetting $500 investment enables:

  • Immediate campaign deployment (avoiding 7-10 day manual review)
  • Higher throughput (fewer phone numbers required)
  • Reduced rejection probability (avoiding $40 resubmission fees)
  • Marketing campaign approval (previously restricted at low scores)

DUNS Number Strategy

Dun & Bradstreet Integration

DUNS (Data Universal Numbering System) provides unique nine-digit business identifier used by government agencies and enterprises for vendor verification.

Obtaining DUNS:

  • Free application through Dun & Bradstreet website
  • Processing timeline: 30 business days standard
  • Expedited processing available ($99-$199 for 24-48 hour turnaround)
  • Requires business registration documentation and contact information

TCR Integration Benefits:

  • Automatic +10-15 trust score points when present
  • Faster brand verification processing
  • Enhanced corporate credibility signals
  • Opens access to enterprise partnership opportunities

Consent Reconfirmation Campaigns

List Hygiene Maintenance

Subscriber databases degrade over time through number changes, account closures, and engagement decay. Periodic reconfirmation protects consent validity and improves campaign metrics.

Reconfirmation Workflow:

  1. Identify subscribers inactive 6+ months (no opens, clicks, replies)
  2. Send reconfirmation request explaining continued enrollment
  3. Require explicit action (reply YES, click link) to maintain subscription
  4. Suppress non-responders after 30-day window
  5. Document reconfirmation process for consent audit trail
Reconfirmation Message Template: [BUSINESS NAME]: We're updating our SMS subscriber list. Reply YES to keep receiving [message type description]. No action in 30 days = automatic opt-out. Questions? Contact support@business.com

Benefits:

  • Improves engagement rates through active subscriber focus
  • Reduces spam complaint probability
  • Refreshes consent records with current timestamps
  • Demonstrates proactive compliance efforts during audits
  • Eliminates inactive numbers reducing wasted sends

SECTION 9: TECHNICAL IMPLEMENTATION

Platform Integration Requirements

Messaging Service Provider Selection

Campaign Service Providers (CSPs) facilitate TCR registration, manage carrier relationships, and route messages across network infrastructure.

Selection Criteria:

  • TCR registration support and workflow automation
  • Carrier connectivity (AT&T, T-Mobile, Verizon direct connections)
  • API capabilities and integration flexibility
  • Deliverability analytics and reporting
  • Consent management features
  • Opt-out processing and list suppression
  • Pricing transparency (no hidden carrier fees)
  • Support quality and escalation procedures

Major CSP Options:

  • Twilio: Enterprise-grade platform with comprehensive TCR workflow
  • Bandwidth: Direct carrier connections and simplified registration
  • Telnyx: API-first design with developer-focused documentation
  • Sinch: Global reach with U.S. carrier optimization
  • Vonage: Established provider with multi-channel capabilities

Deliverability Optimization

Message Timing Strategy

Send Time Optimization:

  • Business hours (9 AM - 6 PM local time) maximize engagement
  • Avoid early morning (<8 AM) and late evening (>9 PM) per TCPA quiet hours
  • Tuesday-Thursday show highest response rates
  • Weekend sends acceptable for retail/e-commerce (lower for B2B)
  • Test timing by segment (different audiences have different patterns)

Volume Ramping

New campaigns require gradual volume increase demonstrating legitimate traffic patterns:

  • Week 1: 10% of planned volume
  • Week 2: 25% of planned volume
  • Week 3: 50% of planned volume
  • Week 4: 75% of planned volume
  • Week 5+: Full volume

⚠️ Important: Sudden spikes trigger carrier spam detection algorithms. Ramp gradually even for registered campaigns.

Monitoring & Analytics

Key Performance Metrics

Delivery Metrics:

  • Sent: Total messages attempted
  • Delivered: Confirmed receipt at device
  • Failed: Bounced or blocked messages
  • Delivery rate: Delivered ÷ Sent (target >95%)

Engagement Metrics:

  • Click-through rate: URL clicks ÷ delivered (industry average 8-15%)
  • Response rate: Replies ÷ delivered
  • Conversion rate: Desired actions ÷ delivered

Health Metrics:

  • Opt-out rate: Unsubscribes ÷ delivered (maintain <0.5%)
  • Spam complaint rate: Complaints ÷ delivered (maintain <0.1%)
  • Hard bounce rate: Invalid numbers ÷ sent (clean regularly if >2%)

Critical Thresholds - Alert Configuration:

  • Delivery rate drops below 90%: Investigate carrier filtering
  • Opt-out rate exceeds 0.5%: Review message relevance immediately
  • Spam complaints exceed 0.1%: Suspend campaign, analyze content
  • Hard bounce rate above 3%: List hygiene required
  • Throughput throttling detected: Check trust score status

SECTION 10: COST MANAGEMENT

TCR Fee Structure

Registration Costs

Brand Registration:

  • Standard brands: $4 one-time fee
  • External vetting: $40 per quarter (optional, improves trust score)
  • Sole proprietor surcharge: Variable by CSP

Campaign Registration:

  • Standard use cases: $10/month per campaign
  • Special use cases: $15/month (political, charitable)
  • Low volume brands: $2/month (reduced rate)
  • Campaign modification: Free (unlimited updates)

Carrier Pass-Through Fees:

T-Mobile, AT&T, Verizon assess per-message fees collected by CSPs:

  • Standard trust score: $0.002-$0.004 per message
  • Low trust score: $0.006-$0.010 per message
  • High trust score: $0.001-$0.002 per message

Platform Costs

Messaging Service Provider Pricing

Volume-based pricing typical across CSPs:

  • Low volume (<10,000 monthly): $0.0100-$0.0150 per message
  • Medium volume (10,000-100,000): $0.0075-$0.0100 per message
  • High volume (100,000-1M): $0.0050-$0.0075 per message
  • Enterprise volume (>1M): $0.0030-$0.0050 per message

Total Cost Calculation

Example: Mid-Size Retail Business

  • Monthly volume: 50,000 messages
  • Campaigns: 3 (transactional, marketing, customer care)
  • Trust score: 72 (moderate throughput)

Monthly Costs:

  • TCR Campaign Fees: 3 × $10 = $30
  • Carrier Pass-Through: 50,000 × $0.003 = $150
  • Platform Messaging: 50,000 × $0.0080 = $400
  • Phone Numbers: 5 × $1.50 = $7.50
  • Total Monthly: $587.50
  • Cost Per Message: $0.01175

Cost Optimization Strategies

Campaign Consolidation:

Combine related use cases where appropriate. Merge order confirmations and shipping updates under Delivery Notifications. Consolidate account alerts under single Account Notifications campaign. Reduce total campaign count from 5 to 3, saving $20 monthly.

Volume Commitment Discounts:

Annual contracts with CSPs typically reduce per-message costs 15-25%. Monthly plan at $0.0075 per message compared to annual commitment at $0.0060 per message provides 20% savings. On 50,000 monthly messages, that's $90/month = $1,080 annually.

Trust Score Investment:

External vetting $500 investment improves throughput and reduces carrier fees. Current carrier fee of $0.003 per message versus post-vetting carrier fee of $0.0015 per message creates savings of $0.0015 × 50,000 = $75 monthly = $900 annually. ROI: 180% in first year.

SECTION 11: TROUBLESHOOTING GUIDE

Common Registration Failures

Scenario 1: Brand Rejected - Entity Verification Failed

Symptoms: Brand registration denied with message indicating business entity cannot be verified or doesn't match provided information.

Resolution:

  1. Obtain IRS CP 575 letter confirming EIN assignment
  2. Pull Secretary of State business registration certificate
  3. Use exact legal name from formation documents
  4. Standardize address using USPS format tool
  5. Register domain matching business name if mismatch exists
  6. Allow 2-4 weeks for new entities to propagate verification databases

Prevention: Register business formally as LLC or Corporation before TCR application. Sole proprietors should obtain EIN minimum 30 days before registration attempt.

Scenario 2: Campaign Rejected - Sample Messages Insufficient

Diagnostic Steps:

  • Check each sample for distinct content (not minor variations)
  • Verify brand name appears in every sample
  • Confirm opt-out language present in all samples
  • Review for populated variables (no {PLACEHOLDER} text)
  • Ensure samples reflect actual messaging content accurately

Scenario 3: Website Compliance Failure

Diagnostic Steps:

  • Test URL accessibility from multiple locations/devices
  • Verify SSL certificate installed (HTTPS)
  • Check privacy policy contains SMS-specific section
  • Confirm contact information displays business address
  • Ensure mobile responsiveness for all pages
  • Review for professional design (no obvious templates)

Delivery Issues Post-Approval

Scenario 5: Messages Not Delivering

Symptoms: Approved campaign experiencing low delivery rates or complete blocking on specific carriers.

Resolution - Carrier Filtering Detected:

  • Reduce send volume temporarily (50% reduction)
  • Vary message content (eliminate template repetition)
  • Clean subscriber list removing bounces
  • Review content against carrier policies
  • Contact CSP support for filtering investigation

Prevention: Monitor delivery rates daily. Alert on drops >5%. Maintain low complaint rates. Vary message content. Respect throughput limits.

Scenario 6: High Opt-Out Rates

Symptoms: Campaign experiencing >0.5% opt-out rate, indicating relevance problems or consent quality issues.

Immediate Actions:

  • Reduce send frequency by 50%
  • Pause marketing sends temporarily
  • Send reconfirmation campaign to active subscribers
  • Segment list by engagement level
  • Focus messaging on highly engaged subscribers only

Long-term Fixes:

  • Improve consent quality at collection point
  • Set clear expectations about message frequency
  • Personalize content based on subscriber data
  • Implement preference center (frequency, content type selection)
  • Regular list cleaning removing inactive subscribers

SECTION 12: RESOURCE APPENDIX

Document Templates

Brand Registration Application Template

BUSINESS INFORMATION Legal Business Name: _______________________ DBA (if applicable): _______________________ Entity Type: [ ] Corporation [ ] LLC [ ] Partnership [ ] Sole Proprietor EIN/Tax ID: __ - _______ Business Address: _______________________ City: _____________ State: ___ Zip: _______ Business Phone: (___)___-____ Business Email: _______________________ Website URL: _______________________ CONTACT INFORMATION Primary Contact Name: _______________________ Title: _______________________ Email: _______________________ Phone: (___)___-____ BUSINESS DETAILS Industry: _______________________ Years in Operation: _______ Number of Employees: _______ Annual Revenue Range: _______ DUNS Number (if available): _______

Compliance Checklists

Pre-Registration Checklist

Business Foundation:

  • Business formally registered (LLC/Corporation preferred)
  • EIN obtained from IRS
  • Physical business address verified
  • Business phone number established
  • Corporate email domain configured
  • Website active with complete information
  • DUNS number obtained (recommended)

Website Compliance:

  • SSL certificate installed (HTTPS)
  • Privacy policy published with SMS section
  • Terms of service includes message programs
  • Contact page shows physical address
  • About page describes business operations
  • Mobile responsive design implemented
  • Professional appearance (no template placeholders)
  • Business domain matches business name

Campaign Preparation:

  • Use case selected matching actual messaging
  • Three unique sample messages drafted
  • Brand name included in all samples
  • Opt-out language added to all samples
  • Variables populated with realistic examples
  • Consent collection method documented
  • Consent form screenshot captured
  • Help message template created
  • Stop message template created

Post-Approval Compliance Checklist

Monthly Maintenance:

  • Review opt-out rate (<0.5% target)
  • Check spam complaint rate (<0.1% target)
  • Verify delivery rate (>95% target)
  • Audit sample messages against actual sends
  • Test HELP and STOP keyword responses
  • Review website privacy policy current
  • Confirm consent collection process unchanged
  • Check trust score for declines

Quarterly Reviews:

  • Clean subscriber list removing bounces
  • Conduct consent reconfirmation for inactive subscribers
  • Review carrier policy updates
  • Audit content for prohibited categories
  • Verify sender ID consistency
  • Test message rendering across carriers
  • Review campaign performance metrics
  • Update internal documentation

Regulatory Resource Links

Federal Agencies:

  • FCC (Federal Communications Commission): www.fcc.gov/consumer-protection
  • FTC (Federal Trade Commission): www.ftc.gov/business-guidance
  • CFPB (Consumer Financial Protection Bureau): www.consumerfinance.gov

Industry Organizations:

  • CTIA (Cellular Telecommunications Industry Association): www.ctia.org
  • The Campaign Registry: www.campaignregistry.com
  • Mobile Marketing Association: www.mmaglobal.com

Compliance Resources:

  • TCPA Compliance Portal: www.tcpa.com
  • National Do Not Call Registry: www.donotcall.gov
  • Better Business Bureau: www.bbb.org

Glossary of Terms

10DLC (10-Digit Long Code): Standard local phone number format used for Application-to-Person business messaging, requiring TCR registration.

A2P (Application-to-Person): Automated messages sent from business applications to consumer mobile devices.

Brand Registration: First phase of TCR process establishing verified business identity.

Campaign Registration: Second phase defining specific messaging use cases under verified brand.

CSP (Campaign Service Provider): Messaging platform provider managing TCR registration and carrier connectivity.

DUNS: Data Universal Numbering System identifier from Dun & Bradstreet verifying business legitimacy.

EIN (Employer Identification Number): IRS-assigned business tax identification number (format: XX-XXXXXXX).

TCR (The Campaign Registry): Centralized authority managing 10DLC brand vetting and campaign approval.

TCPA (Telephone Consumer Protection Act): Federal law regulating automated communications and requiring express written consent.

Throughput: Maximum message volume per minute per phone number, determined by trust score.

Trust Score: TCR-assigned rating (0-100 scale) determining throughput limits and approval speed.

SECTION 13: NEXT STEPS

Immediate Action Items

  1. Assess Current State: Determine business entity status, EIN availability, website compliance readiness
  2. Gather Documentation: Collect formation documents, tax records, business licenses, address proof
  3. Website Audit: Review privacy policy, terms of service, contact information completeness
  4. Choose CSP: Research messaging platforms supporting TCR registration workflow
  5. Draft Sample Messages: Create three unique templates representing actual campaign content

Implementation Timeline

Week 1-2: Foundation

  • Obtain EIN if operating as sole proprietor
  • Register business formally (LLC/Corporation) if not already
  • Apply for DUNS number
  • Audit website for compliance gaps

Week 3-4: Preparation

  • Complete privacy policy with SMS section
  • Create terms of service covering message programs
  • Draft sample messages for campaign registration
  • Document consent collection methodology
  • Capture consent form screenshots

Week 5-6: Registration

  • Select and configure CSP account
  • Submit brand registration with complete documentation
  • Monitor approval status (2-10 business days typical)
  • Upon brand approval, submit campaign registrations
  • Configure phone numbers and sender IDs

Week 7-8: Launch

  • Test message delivery across all carriers
  • Implement opt-out processing automation
  • Configure HELP and STOP keyword responses
  • Start with low volume (<10% of planned capacity)
  • Monitor delivery rates, opt-outs, complaints daily

Ongoing: Optimization

  • Gradually increase volume following ramp schedule
  • A/B test message content and timing
  • Clean subscriber lists quarterly
  • Review compliance monthly
  • Adjust strategy based on performance data

About MyTCRPlus

MyTCRPlus provides turnkey compliance infrastructure eliminating TCR registration complexity through purpose-built microsites centralizing required documentation, consent management, privacy policies, and carrier-approval-ready templates.

Our platform addresses the 40%+ rejection rate plaguing first-time TCR submissions by providing compliance-first architecture supporting brand and campaign vetting requirements. Organizations reduce registration timelines from weeks to days while maintaining audit-ready documentation protecting against TCPA exposure.

Service Tiers:

  • Basic ($29.99/month): Subdomain hosting, required disclosures, SSL security, basic support
  • Standard ($39.99/month): Custom domain, priority support, analytics, 2-3 day turnaround
  • Plus ($49.99/month): White-label design, multilingual support, audit reports, dedicated account manager

Setup Assistance: One-time setup fees ($99-$249 depending on tier) include complete microsite build, content review, consent form configuration, and go-live deployment support.

Legal Disclaimer

This guide provides general information about The Campaign Registry registration and 10DLC compliance requirements. Content does not constitute legal advice or regulatory interpretation. TCR approval depends on business-specific factors including entity type, industry vertical, trust score assignment, and carrier discretion beyond any service provider's control.

Organizations remain responsible for obtaining qualified legal counsel regarding TCPA compliance, consent management requirements, and use case classification guidance specific to their messaging programs. Compliance standards evolve through regulatory updates, carrier policy changes, and industry best practices. Information current as of November 2025 may require updates as frameworks mature.

MyTCRPlus is designed to help customers achieve 10DLC compliance and carrier policy adherence. Final campaign approval is subject to TCR review and use case specifics. Campaign throughput limits and trust scores are determined by TCR based on brand verification and reputation signals outside any platform's control.

Businesses implementing SMS marketing programs should consult telecommunications attorneys specializing in TCPA, work with experienced compliance consultants, and maintain current knowledge of FCC regulations, CTIA guidelines, and carrier-specific requirements across T-Mobile, AT&T, and Verizon networks.

TCR Registration Mastery

Complete Guide to 10DLC Campaign Registry Compliance

Published November 2025 | Version 1.0

© MyTCRPlus - Native Chaos Holdings LLC