// Industry Solutions series · Book 14 of 17
Debt Collection SMS Compliance Playbook
The Operator's Guide to 10DLC Registration, TCPA Consent, and Carrier Rules for Agencies
Book 14 of the MyTCRPlus Industry Solutions book series. Collection agencies text consumers about existing debts: validation notices, payment reminders, arrangements, settlement options. The TCPA and the FDCPA with Regulation F both apply, and each carries its own litigation risk. This 106-page book gives agencies a step-by-step path through registration, consent, opt-outs, and rejection fixes. You receive the complete book as a print-quality PDF file, downloadable immediately after purchase.
// Look inside
Front cover, cheat sheet and back cover
// What this book covers
What you'll get from the book
- How TCPA law, CTIA and carrier standards, and 10DLC registration each govern your texts, and what each failure costs.
- Brand and campaign registration with current TCR fees, vetting, and Trust Score throughput.
- Filing-ready sample messages for initial contact / validation notice, payment-due reminder, payment arrangement confirmation, settlement offer, dispute / verification response, and account status update.
- Prior express written consent that holds up as evidence, and opt-out handling under the FCC's 2025 revocation rules.
- A rejection-code map that points to the exact field to fix, plus resubmission and escalation steps.
- State mini-TCPA quiet hours and frequency limits, including Florida, Oklahoma, Maryland, Connecticut, Virginia, Texas, and Washington.
- Regulation F and FDCPA texting rules: validation notices, opt-out rights, the calls-only 7-in-7 limit, and pausing collection on disputes until verification.
// Who it's for
Written for
- Agency owners and operations managers.
- Compliance officers and in-house counsel.
- Collection-platform administrators.
- First-party creditors and debt buyers.
- Vendors serving the ARM industry.
// What's inside
Inside the book
- Cheat Sheet inside the front cover.
- 17 chapters in 6 parts, including a Part of Tens with ten costly texting mistakes and ten questions to ask before you choose a texting platform.
- Charts on penalty exposure, first-year cost, throughput, and send-time windows.
- A master audit checklist and templates, further reading, glossary, and index.
// Format
Book details
Book, delivered as a single PDF file. 106 pages, 7.5 x 9.25 in trim, full color with front, back, and inside cover pages. First edition, September 2026. Published by Native Chaos Holdings LLC. Not legal advice; verify current fees and rule dates with your Campaign Service Provider before relying on them.
// Go further
Pair the book with training
// Academy certification · $197
Financial Services SMS Compliance
Self-paced certification course with modules, a final exam and a certificate, sold separately from the book.
// Free guide
Financial Services SMS Compliance Playbook
Start with the free online playbook, then use the book for the full templates, rejection-code map and audit checklist.
// The library
More SMS compliance books
