---
title: "SMS Disclosure Requirements"
description: "SMS Compliance"
url: https://support.agentsuite.ai/en/articles/60-sms-disclosure-requirements
collection: "Phone System"
updated: 2026-11-07
language: en
---

# SMS Disclosure Requirements

SMS Compliance

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.**

**Did you receive your policy in the mail?**

**_Reply OUT to Unsubscribe._**

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**.  
  
**1\. Opt-In Disclosures**

-   **Clear Consent: Users must actively opt in to receive SMS. Consent cannot be assumed.**
    
-   **Disclosure at Opt-In: At the point of opt-in (not hidden behind links), you must display:**
    
    -   **Rates Disclosure: “Message and data rates may apply.”**
        
    -   **Help Instructions: “Reply HELP for help.”**
        
    -   **Opt-Out Instructions: “Reply STOP to cancel.”**
        

### **2\. Message Content Requirements**

-   **Sender Identification: Clearly identify your business or brand in the message.**
    
-   **Opt-Out Mechanism: Every marketing message should include opt-out instructions (e.g., “Reply STOP to unsubscribe”).**
    
-   **Confirmation: Send a confirmation when a user opts out.**
    

### **3\. Privacy Policy**

-   **Must be easily accessible from the initial call-to-action.**
    
-   **Must state that SMS opt-in data and consent will not be shared with third parties.**
    

### **4\. Timing**

-   **Marketing messages should be sent only between 8 a.m. and 8 p.m. local time.**
    

### **5\. Record Keeping**

-   **Maintain records of opt-ins and opt-outs for compliance and dispute resolution.**