As a financial brand, there are certain rules and regulations set by mobile carriers you must take into consideration in order to ensure successful messaging. Failure to comply with these guidelines may result in your campaign being blocked, and you will be unable to continue to send messages.
When messaging, please keep in mind the following tips in order to prevent deliverability issues:
Make sure the messages you’re sending are similar to the sample ones you provided during your 10DLC registration.
Always use the same brand name that you used in your 10DLC registration. If these do not match, you risk carrier blocks.
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.
Acceptable use cases for messaging for financial brands are limited to alerts, notifications, and user authentication. Examples of acceptable messaging include:
“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.”
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."
Manage your opt outs closely. If someone replies negatively, manually opt them out.
Try to avoid texting contacts repeatedly. If you do text them multiple times and they havenʼt responded, manually opt them out.
Text content should be in no way predatory.