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The Telephone Consumer Protection Act of 1991 (TCPA) is the primary law in the U.S. governing the conduct of telemarketers. Its primary regulator is the Federal Communications Commission (FCC). The TCPA restricts the use of dialers, prerecorded voice messages, SMS text messages received by cell phones, and the use of fax machines. Even though the law was not designed with ARM in mind, debt collectors often find themselves restricted in the communication technology they can use. In addition, contradictory guidance from regulators and court rulings has led to an explosion in the number of TCPA cases collection agencies must defend.

insideARM maintains an abundance of information about TCPA developments related to the ARM industry. View our case law grid here, and our TCPA Toolbox here.

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Image of a neon bright yellow outline of a wired phone handset against a black background [Image by creator SergeyNivens from AdobeStock]

Statement a Company Used an “Autodialer” Not Sufficient To Win TCPA Suit Appellate Court Holds

31 August 2023
A person holding a mobile phone that appears to have illustrated white charts, graphs, and dollar signs popping out of it [Image by creator ra2 studio from AdobeStock]

Ninth Circuit Affirms Dismissal of TCPA Case Involving Text Messages Holding “Prerecorded Voice Messages” Require Audible Component

22 August 2023
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

6th Cir. Holds Single Ringless Voicemail Enough for Article III Standing in TCPA Case

25 July 2023
[Image by creator Krasimira Nevenova from AdobeStock]

FCC Proposes New Rules for Revocation Under the TCPA

24 July 2023
[Image by creator Gregory Johnston from AdobeStock]

Navigate the New TCPA

18 July 2023
A judge's gavel sitting on a pile of cash [Image by creator Pakhnyushchyy from AdobeStock]

Treble Trouble in Paradise: Court Refuses to Treble Jury’s $8,500 TCPA Award to Plaintiff

26 April 2023
Image of a neon bright yellow outline of a wired phone handset against a black background [Image by creator SergeyNivens from AdobeStock]

TCPAWorld’s (Second Annual) Definitive List of the Top 10 Most Dangerous Plaintiff’s Firms Out There

16 March 2023
[Image by creator Argus from AdobeStock]

TCPA Rulings Confirms Criminal Penalties for Failing to Register in Rhode Island

9 February 2023
[Image by creator Gregory Johnston from AdobeStock]

FCC Issues Mixed-Bag Amended TCPA Exemptions Order

8 February 2023
Image of a neon bright yellow outline of a wired phone handset against a black background [Image by creator SergeyNivens from AdobeStock]

9th Cir. Holds TCPA Autodialer Must Generate and Dial Random or Sequential Phone Numbers

19 January 2023
Image of a neon bright yellow outline of a wired phone handset against a black background [Image by creator SergeyNivens from AdobeStock]

FCC Chairwoman Just Asked Congress to Expand the TCPA’s Autodialer Definition and its Worth Paying Attention to

9 January 2023
[Image by creator atoss from AdobeStock]

Ninth Circuit Puts New Limits on Aggregate Statutory Awards Following Remand of Nearly $1 Billion TCPA Judgment

7 December 2022
A person holding a mobile phone that appears to have illustrated white charts, graphs, and dollar signs popping out of it [Image by creator ra2 studio from AdobeStock]

Text Messages Are Still Not Voices

6 December 2022
Phone with "voice mail" text on it [Image by creator iQoncept from AdobeStock]

FCC Rules Ringless Voicemails Require Consent

5 December 2022
Two binders that say "procedure" and "policies" sitting on a stack of flow charts [Image by creator vinnstock from AdobeStock]

“Routine Practice Evidence” Carries the Day for TCPA Defendant on Summary Judgment

22 September 2022
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

Third Circuit Adopts “Reasonable Reader” Standard for Evaluating Whether a Credit Report Is Inaccurate or Misleading

17 August 2022
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

Court Finds Servicer’s Neutrally-Worded Voicemail Advising of Payment Options Does Not Constitute Debt Collection

11 August 2022
Image from a dictionary showing the word leg-is-la-tion [Image by creator Art of Success from AdobeStock]

Will the Definition of an ATDS Soon Include Text Messages?

8 August 2022
Image of a neon bright yellow outline of a wired phone handset against a black background [Image by creator SergeyNivens from AdobeStock]

Credit Card Issuer Wins Big ATDS Ruling in TCPA Suit Arising out of Debt Collection Calls

29 June 2022
Image of a neon bright yellow outline of a wired phone handset against a black background [Image by creator SergeyNivens from AdobeStock]

Macy’s Credit Sued For Prerecorded Calls: Retailers Back in the TCPA Crosshairs?

22 June 2022

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