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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]

$195,000 in Damages on 26 Calls?: New Decision Shows Just How Extreme TCPA Damages Can Get

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

Court Finds Text Messages Do Not Qualify As Artificial or Prerecorded Voice Messages Under the TCPA

7 March 2022
[Image by creator Gregory Johnston from AdobeStock]

Reserved: Clever Trick by Plaintiff’s Lawyers is Getting TCPA Auto-dialer Allegations Past the Pleadings Stage in Spades

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

FCC Chairwoman Rosenworcel Says Ringless Voicemails Should Be Prohibited Without Prior Consent

14 February 2022
[Image by creator Argus from AdobeStock]

Owners Sued After Company Dissolved: New Ruling Highlights Why TCPA Liability Doesn’t Always Die With Company Making Calls

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

Ninth Circuit Holds LiveVox HCI is not an ATDS in Unpublished Decision

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

Reversed! Tenth Circuit Holds that There is Jurisdiction in Colorado Over A Florida Company That Made Calls to a Vermont Phone Number

20 January 2022
A stack of mobile phones [Image by creator goir from AdobeStock]

POWER LESS: Court Holds Mojo “Power Dialer” May Be an ATDS in Latest Facebook Setback

15 December 2021
A stack of mobile phones [Image by creator goir from AdobeStock]

The FCC’s New Recycled Number Spotting Database is Live—Here’s How to Use It

4 November 2021
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

Vindication!: Court Reconsiders Anti-Facebook Pleadings Decision–Says Facebook Matters at the Pleadings Stage After All

19 October 2021
File drawer with one folder in focus, labeled "Court Decisions" [Image by creator tashatuvango from AdobeStock]

CEO Escapes Personal TCPA Liability: “Ownership… is not enough to sustain personal liability for individuals”

12 October 2021
A sea of small white paper boats "swimming up stream", with one blue boat swimming off to the side [Image by creator Worawut from AdobeStock]

Think Differently: How TCN Innovates Using Customer and End User Feedback

28 September 2021
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]

Numeracle Releases STIR/SHAKEN Implementation Report

28 September 2021
[Image by creator Gregory Johnston from AdobeStock]

6th Cir. Reverses Trial Court Ruling that TCPA was Wholly Unconstitutional After 2015 Amendments

20 September 2021
[Image by creator enterlinedesign from AdobeStock]

Crushing Victory: Court finds Aspect/ALM Not an ATDS– Rejects “Capacity” Argument (But There’s a Big “FN7” Wrinkle Here)

16 September 2021
3 white animated figures, two wearing only ties and boxing gloves. Figure in the middle wearing a bow tie and holding up one hand as the winner. [Image by creator Texelart from AdobeStock]

The Wins Keep Coming! Another Court Finds Calling From Curated List of Numbers is Not R&SNG

2 September 2021
Image of a neon bright yellow outline of a wired phone handset against a black background [Image by creator SergeyNivens from AdobeStock]

140 Days Later: Here Are Five Things To Know (Right Now) About How Courts Are Handling ATDS Cases Post Facebook

23 August 2021
Image of a neon bright yellow outline of a wired phone handset against a black background [Image by creator SergeyNivens from AdobeStock]

Hmmmm: Did the Ninth Circuit Just Accidentally End Presumed Express Consent in TCPA Cases?

16 August 2021
3 white animated figures, two wearing only ties and boxing gloves. Figure in the middle wearing a bow tie and holding up one hand as the winner. [Image by creator Texelart from AdobeStock]

Justice: Court Filings Reveal How Consumer Tried to Manufacture TCPA Suit Against Credit One–Only to End Up Owing It $286,064.62

11 August 2021
Illustration of a business man with a magnifying glass following $ signs [Image by creator spectrumblue from AdobeStock]

Dont Cry Poor: Court Allows Plaintiff to Sue Employees of TCPA Defendant Directly After Company Claimed a Lack of Funds

4 August 2021

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