Description
Mortgage Lending SMS Compliance Playbook: The Operator's Guide to 10DLC Registration, TCPA Consent, and Carrier Rules for Lenders
This is a book, not a course. 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.
What This Book Covers: 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 This Book Is 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 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, 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.
Please note: this product is a book in PDF format. It is not a course or class and does not include course access, video lessons, modules, quizzes, an exam, or a certificate. MyTCRPlus Academy certification courses are separate products sold separately.
