Jump to Content
ABA: The American Bankers Association

Telephone Consumer Protection Act

The TCPA prohibits, with limited exceptions, telephone calls to residential lines and calls and text messages to mobile phones using an automatic telephone dialing system (autodialer) unless the caller has the prior express consent of the called party.​​​​

Banks regularly seek to send time-critical, non-telemarketing communications to large numbers of customers promptly, including suspicious activity alerts, data security breach notifications, low balance and over-limit transaction alerts, delinquency notifications, and loan modification outreach. Only automated calling – not manual dialing by live agents – can reach customers in a timely and efficient manner. Yet, the Federal Communications Commission’s (FCC) expansive interpretations of the TCPA, coupled with the threat of class action liability, discourage banks from making these calls that benefit consumers. ABA has urged the FCC issue re-interpretations of the TCPA that promote the use of efficient, effective, and modern communications between businesses and their customers.

Related Training & Events

ABA Resources

Our Experts

Jonathan Thessin

Jonathan Thessin

Vice President & Senior Counsel, Regulatory Compliance and Policy

Contact Jonathan

Stay Connected

Compliance Email Bulletin

Get weekly compliance news, including a recap of the prior week's happenings and a look ahead. (Bank members only)

Open Compliance Committee

Learn about new regulatory initiatives, share common compliance concerns, and seek input from peers on compliance challenges.

Compliance Network

The ABA Compliance Network is a members only online forum facilitating discussion of compliance topics and providing opportunity for professional interaction.