Failure to comply with SMS disclosure requirements will result in:
· Immediate loss of messaging privileges
· Deletion of your sending number
· Revocation of A2P approval
Required Action:
When sending SMS messages to prospective clients—especially Mortgage Protection leads purchased from a lead vendor (not via a direct mailer or direct marketing campaign)—you MUST disclose the company you represent.
If you are running Mortgage Protection leads through a campaign/workflow, your first SMS must include the following verbiage in RED:
Hi [Customer Name], this is [ai agent name] reaching out on behalf of [Your Name] with [Business name]. I’m reaching out about the mortgage you closed with [Lender Name]. When you closed your loan, you should have spoken to an Underwriter or Agent about the Mortgage Protection plan that covers your mortgage if you get sick or pass away.
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Subsequent sms messages must also include who you are and the company you represent to ensure the recipients can associate the messages received.
Why This Matters:
Carriers require transparency to prevent fraudulent messaging. Not disclosing your name, and the company you represent creates the false impression that you are affiliated with the lender, violating carrier policies. Due to strict enforcement, failure to comply will result in immediate termination of your SMS capabilities.
