Telephone Consumer Protection Act


The Telephone Consumer Protection Act (TCPA) was enacted in 1991 before cell phones were commonly used. The statute is outdated, causing uncertainty and compliance concerns for financial institutions. The FCC's current interpretations of the statute do not account for the rapidly growing use of new technology across all age demographics, particularly among millennials. Instead, the FCC's July 2015 TCPA Order combined with a fractured regulatory landscape make it more difficult to contact consumers on their cell phones.  

Where We Stand

The current requirements surrounding the TCPA lack clarity and are so confusing that some credit unions have stopped calling and texting consumers altogether because they do not want to risk being incompliant. 

Credit union members value the member services they receive from their local credit union. However, when smaller credit unions cannot risk contacting their members due to fear of noncompliance with TCPA, it puts consumers at risk as well. 

CUNA is advocating for common-sense solutions and congressional insight on how to address the current situation thousands of credit unions now find themselves in in an increasingly mobile and digital economy. 


What We've Told Lawmakers & Regulators
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Research & News

CUNA's TCPA Petition 
Filed with the FCC
September 2017

CUNA White Paper to Bureau
Summer 2018


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