// Industry Solutions series · Book 3 of 17
Mortgage Lending SMS Compliance Playbook
The Operator's Guide to 10DLC Registration, TCPA Consent, and Carrier Rules for Lenders
Book 3 of the MyTCRPlus Industry Solutions book series. Lenders text borrowers for years: rate alerts, document requests, closing updates, payment reminders. Trigger leads, third-party vendors, and a footprint that runs from origination to servicing make mortgage one of the hardest verticals to register cleanly and one of the easiest to sue. This 104-page book gives lenders 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 rate alert / product update, lead follow-up / pre-qualification, application / document reminder, rate-lock expiration / renewal, payment due / servicing reminder, and loan status / closing 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.
- Telemarketing Sales Rule and RESPA considerations for loan marketing, and trigger-lead limits under the Homebuyers Privacy Protection Act (effective March 5, 2026).
// Who it's for
Written for
- Loan officers and branch managers.
- Marketing and lead-generation teams.
- Compliance officers at lenders, brokers, and servicers.
- LOS and CRM administrators.
- Vendors serving mortgage companies.
// 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. 104 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
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