TCPA Advocacy Center

Everything You Need to Know About TCPA Advocacy

The Telephone Consumer Protection Act (TCPA) has a significant impact on the ability of debt collectors to lawfully contact consumers. Given the importance of effective communication to successful debt recovery, ACA International continues to lead the effort to modernize the TCPA to better balance consumer privacy with legitimate business communications.

The TCPA restricts the use of automatic telephone dialing systems (ATDS or autodialers), artificial or prerecorded voice messages, text messages received by cell phones, and the use of fax machines to send unsolicited advertisements. It also specifies several technical requirements for fax machines, autodialers, and voice messaging systems.

Although Congress enacted the TCPA primarily to regulate the activities of telemarketers and the delivery of telephone solicitations and unsolicited advertisements, certain important provisions of the statute and its regulations extend to all persons and entities, including debt collectors.

Reg F How

ACA Comments

List of comments submitted by ACA in response to TCPA proposals. 

TCPA Rulings and Orders

Here’s a list of the Federal Communications Commission (FCC)’s TCPA Declaratory Rulings and Orders relevant to the debt collection industry.

Notice of Proposed Rulemaking and Notice of Inquiry, Robocall Blocking (March 23, 2017)

2016 Declaratory Ruling, Blackboard et al.
Ruling clarifying autodialed calls made by schools and utilities.

2016 Declaratory Ruling, Broadnet et al.
Ruling clarifying that the federal government and its contractors are not persons under Sec. 227(b)(1) of the TCPA.

ACA’s TCPA White Papers

White papers prepared by ACA demonstrating why the TCPA must be reformed to more accurately reflect the current state of communication technology.

ACA’s white papers demonstrate why the TCPA must be reformed to more accurately reflect the current state of communication technology, as well as the ways both businesses and consumers use those technologies.

Alliance ACA
Collectors Insurance Agency
Alliance ACA