Telephone Consumer Protection Act

In 1991, when wireless phones were deemed a “luxury item,” the Telephone Consumer Protection Act (TCPA) was enacted to address certain telemarketing practices considered an invasion of consumer privacy, including calls to wireless phones (but not calls to landline phones). Today, 90% of Americans own wireless telephones, and 58.8% of households are mostly or entirely wireless-only. Though consumer preferences have changed, the TCPA has not. It continues to prohibit calls and messages to wireless phones even though they have clearly surpassed landline phones as the preferred means of communication. Without common sense reforms to modernize the TCPA, consumers will be unable to receive normal, expected communications about time-sensitive information on their mobile devices. CBA called upon the Federal Communications Commission to clarify existing rules to eliminate unintended litigation risk harming consumers and compliance driven businesses. CBA has advocated to Congress to update the TCPA to facilitate normal, expected and desired communications to consumers, and provide businesses with clarity when contacting customers.
  • October 17, 2018
    October 17, 2018 VIA Electronic Submission Ms. Marlene H. Dortch, Secretary Federal Communications Commission 44 12 th Street SW Washington, D.C., 20554 Re: Comments on Interpretation of the Telephone Consumer Protection Act in Light of the Ninth Circuit’s Decision in Marks v. Crunch San Diego, LLC Decision, CG Docket No. 18-152. Dear Ms. Dortch, The Consumer Bankers Association (“CBA”)...
  • June 13, 2018
    June 13, 2018 VIA Electronic Submission Ms. Marlene H. Dortch, Secretary Federal Communications Commission 44 12 th Street SW Washington, D.C., 20554 Re: Comments on Interpretation of the Telephone Consumer Protection Act in Light of the D.C. Circuit’s ACA International Decision, CG Docket No. 18-152. Dear Ms. Dortch, The Consumer Bankers Association (“CBA”) appreciates the opportunity to respond...
  • May 3, 2018
    The U.S. Chamber of Commerce, the U.S. Chamber Institute for Legal Reform, and the U.S. Chamber Technology Engagement Center (collectively "the Chamber"), ACA International, American Association of Healthcare Administrative Management, American Bankers Association, American Financial Services Association, Consumer Bankers Association, Consumer Mortgage Coalition, Credit Union National Association...
  • April 20, 2018
    DC DOWNLOAD CBA-Backed Effort to Overturn CFPB's 2013 Auto Bulletin Passes U.S. Senate – CBA member banks are strongly committed to ensuring fair lending policies and practices are upheld while fulfilling consumers’ financial needs. The CFPB’s 2013 Auto Bulletin was a backdoor attempt at rulemaking without notice or comment and lacked the clarity needed by lenders, which is why CBA supported the...
  • April 19, 2018
    WASHINGTON — The Consumer Bankers Association on Wednesday asked lawmakers to rein in regulations that were meant to prevent robocalls but that the group says have inadvertently captured legitimate calls, too. The letter, sent to the Senate Commerce Committee, was in response to a hearing Wednesday in which federal regulators testified on how to stop rampant illegal robocalling. Complaints about...
  • April 18, 2018
    April 17, 2018 The Honorable John Thune Chairman Committee on Commerce, Science, & Transportation U.S. Senate 512 Dirksen Senate Office Building Washington, D.C. 20515 The Honorable Bill Nelson Ranking Member Committee on Commerce, Science & Transportation U.S. Senate 512 Dirksen Senate Office Building Washington, D.C. 20515 Dear Chairman Thune and Ranking Member Nelson: On behalf of the...
  • April 18, 2018
    April 17, 2018 The Honorable John Thune Chairman Committee on Commerce, Science & Transportation U.S. Senate 512 Dirksen Senate Office Building Washington, D.C. 20510 The Honorable Bill Nelson Ranking Member Committee on Commerce, Science & Transportation U.S. Senate 512 Dirksen Senate Office Building Washington, D.C. 20510 Dear Chairman Thune and Ranking Member Nelson, The undersigned...
  • April 18, 2018
    On Wednesday, April 18, 2018, the Senate Commerce Committee held a hearing entitled "Abusive Robocalls and How We Can Stop Them." While the hearing focused on illegal robocalls, and particularly enforcement against such calls and available technology tools, CBA used the hearing as an opportunity to distinguish between robocalls and calls from legitimate businesses to their customers. CBA sent a...
  • April 18, 2018
    WASHINGTON - The Consumer Bankers Association (CBA) submitted a letter to the Senate Commerce Committee thanking committee members for their work to stop abusive robocalls. The letter also expresses the retail banking industry’s commitment to working with legislators and regulators to protect consumers from illegal calls, while clarifying the Telephone Consumer Protection Act (TCPA) guidance to...

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