As a financial brand registering for 10DLC, there are certain rules and regulations set by mobile carriers you must take into consideration as you prepare and submit your registration. This article will walk you through several key components of the registration process and provide best practices so that your campaign can get approved as soon as possible.
For more information on the 10DLC registration process itself, please see How to register for 10DLC.
Company information requirements
As part of your registration, you will be asked to provide information about your company such as your contact information, website, and address. When submitting this information, please ensure that the following guidelines are met:
The contact information listed on your website and all other company pages (social media, etc) must be consistent with the contact information submitted in your registration. All addresses and location information must match exactly.
Your website cannot contain any broken links.
Your website cannot contain fake reviews for your service.
Your website cannot advertise unsecured funds or funding delivery in a short period of time, such as 24 or 48 hours.
Your website cannot advertise your approval rate.
Your website should provide information about interest rates.
All images on your website should be your own; you should not use images taken from other businesses' websites or social media pages.
Only direct lending is permitted by carriers. Your website should explicitly state that you are a direct lender. Third party lending is not permitted under any circumstances. If your website or other registration materials describe third-party lending, your campaign will not be approved.
Sample message guidelines
To remain in compliance with carriers, the only acceptable messaging use cases for financial brands are for alerts, notifications, and user authentication. Some successful example messages for these use cases are shown below:
“Hey Matt, this is Nikki at ABC Direct. I got your call, when can you connect?”
“Hey Frances, this is Nikki at ABC Direct. Please check your online portal for updates and let me know if you have questions."
"Hey James, this is Nikki at ABC Direct. We are still missing your signature on a couple forms. Please let me know when those are complete."
“ABC Direct: Sign-in detected from Miami Beach, FL. If this is you, please ignore this message. Otherwise, call 555-555-5555. Reply STOP to opt-out.”
“Hi [First Name], this is ABC Direct. We’ve received your application. An advisor will reach out shortly. In the meantime, feel free to reply with any questions. Msg&Data rates may apply. Reply STOP to unsubscribe or HELP for assistance”
Conversations about loans are allowed as long as you are the direct lender and the customer has already reached out to you to initiate the conversation. Still, you should use vague verbiage like:
“Hi, this is Nikki at ABC Direct. I just left you a voicemail. Feel free to call or text me back at your earliest convenience.”
"Hi this is Nikki at ABC Direct. Your application was approved. Give me a call if you have any questions."
Generally, the following content is not allowed in your messages:
Solicitation for loans is not allowed. This includes new loan solicitation with someone you have worked with or texted before.
Advertising loans is not allowed.
Third party loans are not allowed.
Using the words "loan," "funding," or "capital" will likely result in carrier blocks, even if the text is not loan solicitation.
Text content should be in no way predatory.
You can use any of the above message examples as a starting point when writing your own. Keep in mind that all of the general sample message guidelines (identifying yourself, including opt-out language, etc) still apply. To read more about those, please see How to register for 10DLC.
Note: When writing sample messages for your financial brand, you should ensure that your submitted messages align as closely as possible with the type of messages that you will be sending once your campaign is approved. It is not uncommon for providers to check to make sure that your sample messages and actual messages align, and any misalignment can risk your campaign’s suspension.