Telephone Consumer Protection Act

In 1991, when wireless phones were deemed a “luxury item,” the Telephone Consumer Protection Act (TCPA) was enacted to address certain telemarketing practices considered an invasion of consumer privacy, including calls to wireless phones (but not calls to landline phones). Today, 90% of Americans own wireless telephones, and 58.8% of households are mostly or entirely wireless-only. Though consumer preferences have changed, the TCPA has not. It continues to prohibit calls and messages to wireless phones even though they have clearly surpassed landline phones as the preferred means of communication. Without common sense reforms to modernize the TCPA, consumers will be unable to receive normal, expected communications about time-sensitive information on their mobile devices. CBA called upon the Federal Communications Commission to clarify existing rules to eliminate unintended litigation risk harming consumers and compliance driven businesses. CBA has advocated to Congress to update the TCPA to facilitate normal, expected and desired communications to consumers, and provide businesses with clarity when contacting customers.
  • February 3, 2015
    A coalition of dozens of national associations and business groups Monday sent a letter to the Federal Communications Commission (FCC) urging the regulator to address issues that have been raised in numerous petitions concerning the modern application of the Telephone Consumer Protection Act (TCPA). The letter notes that when the TCPA was passed in 1991, wireless phones were a luxury afforded by...
  • February 2, 2015
    Dear Chairman Wheeler and Commissioners Clyburn, Rosenworcel, Pai, and O’Rielly: The undersigned trade associations and business groups, representing hundreds ofthousands of U.S. companies and organizations from across the U.S. economy, strongly urge the Federal Communication Commission (“FCC” or “Commission”) to expeditiously address the issues raised in the numerous petitions that have been and...
  • January 30, 2015
    ​CFPB Urges Lenders to Offer More Student Loan Modifications Available On Thursday, January 29, 2015, the CFPB announced interagency guidance and a voluntary survey of student loan market participants about the loan modification options being made available to borrowers. Issued by the OCC, Federal Reserve, FDIC, National Credit Union Administration, CFPB , and the Federal Financial Institutions...
  • November 14, 2014
    CFPB Hosts Field Hearing on Prepaid Cards; Releases Proposed Rule On Thursday, November 13, 2014, the CFPB, at a field hearing in Wilmington, DE, released its proposed rule on prepaid products. The hearing included opening remarks from CFPB Director Richard Cordray, a panel of consumer and industry representatives, and concluded with a question and answer session with the public. "By bringing...
  • November 7, 2014
    CFPB Issues Report on Seniors and Debt Collection Complaints On Wednesday, November 5, 2015, the CFPB released a report highlighting debt collection as the chief complaints received from older Americans. "It is increasingly common for older Americans to carry debts into their retirement years, and consumers living on fixed incomes often struggle to pay off these debts," said CFPB Director Richard...
  • September 19, 2014
    Before the FEDERAL COMMUNICATIONS COMMISSION PETITION FOR DECLARATORY RULING OF THE CONSUMER BANKERS ASSOCIATION EXECUTIVE SUMMARY The Consumer Bankers Association (“CBA”) respectfully asks the Federal Communications Commission (“FCC” or “Commission”) to declare that “called party,” for purposes of the Telephone Consumer Protection Act’s (“TCPA”) restrictions on certain automated calls, including...
  • March 7, 2014
    CFPB Releases Service Member Complaint Snapshot On Thursday, March 6, 2014, the CFPB announced the agency had recovered more than $1 million for service members, veterans, and their families who filed grievances about financial products or services. According to the CFPB’s second snapshot of complaints from military-related consumers, which reported the payout, some military families are not...
  • December 20, 2013
    EXECUTIVE SUMMARY The American Bankers Association and the Consumer Bankers Association support the revised exemption proposal of the Cargo Airline Association, which would permit its members to send non-telemarketing package delivery notifications to mobile devices on a free-to-end-user basis without first obtaining the prior express consent of the recipients. Package delivery notifications are...
  • March 20, 2012
    Ombudsman released its third annual report detailing "inreach" within the Bureau, and summarizing the interactions with parties outside the CFPB in its information collection...

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