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.
In Facebook v. Duguid, the Supreme Court the Court interpreted the autodialer definition to have a narrow application, consistent with the text of the statute. To qualify as an autodialer, “a device must have the capacity either to store a telephone number using a random or sequential number generator or to produce a telephone number using a random or sequential number generator.” This holding has promoted the use of efficient, effective, and modern communications between businesses and their customers, and provided businesses with greater certainty as to the scope of calls restricted by the TCPA.
Today, the FCC is increasingly focused on providing incentives for voice service providers to ensure all outbound calls are authenticated and that illegal calls are blocked. To prevent bad actors from illegally spoofing banks’ calling numbers, ABA has urged the FCC to expand its call authentication requirements to cover all voice service networks. At the same time, ABA has urged the FCC to protect the ability of banks and other lawful callers to complete calls to their customers, by requiring providers to provide notification of blocking and prompt redress for erroneously blocked calls.
April 7, 2021
January 2, 2020
March 23, 2018
February 23, 2018
January 20, 2023
May 17, 2017
June 11, 2012
Policy Library
April 30, 2024
April 19, 2024
March 18, 2024
February 26, 2024
News
February 08, 2024
Self-Paced Training
Recorded Webinar | October 16, 2019
June 14, 2021
A weekly information resource with ABA news, analysis and resources, specifically selected to meet readers’ unique content needs. (Bank members only)
Learn about new regulatory initiatives, share common compliance concerns, and seek input from peers on compliance challenges.
The ABA Compliance Network is a members only online forum facilitating discussion of compliance topics and providing opportunity for professional interaction.