FCC Advances Joint Industry-Requested TCPA Relief
By DCUC Staff —
WASHINGTON, D.C. -- The Federal Communications Commission (FCC) has issued a draft order and further notice of proposed rulemaking (FNPRM) addressing the “revoke all” provision of the Telephone Consumer Protection Act (TCPA), advancing several changes sought by the Defense Credit Union Council (DCUC) and a coalition of financial-services trade associations.
The draft order would modify the FCC’s existing “revoke all” framework, which could require a consumer’s decision to opt out of one category of informational robocalls or robotexts to be treated as revocation of consent for all such communications. Under the draft, callers could interpret a revocation request in response to an informational call or text as applying only to that specific category of communications, allowing consumers to continue receiving other communications they have chosen to receive. The draft also would allow callers to designate a clear, exclusive method for consumers to revoke consent. For credit unions and their members, the proposed changes are important for time-sensitive communications involving fraud, identity theft, and account security. The draft order would modify the existing financial-institution exemption to allow certain fraud-related communications to be sent to wireless numbers obtained from a reliable source, including an authorized family member or account holder, a number obtained when the customer contacts the institution, or information contained in records obtained from another financial institution. DCUC joined the American Bankers Association, American Financial Services Association, America’s Credit Unions, Bank Policy Institute, Consumer Bankers Association, Mortgage Bankers Association and Student Loan Servicing Alliance in advocating for practical changes to the TCPA rules that preserve consumers’ ability to control unwanted communications while ensuring financial institutions can deliver important, time-sensitive information. “The ability to communicate quickly with a member can be critical when a credit union is trying to prevent fraud, protect an account, or respond to a potential security threat,” says Anthony Hernandez, DCUC President/CEO, Ret. U.S. Air Force Colonel. “For defense credit unions, those communications are especially important as we serve highly mobile servicemembers, veterans, and military families around the world. We appreciate the FCC’s consideration of practical rules that protect consumers’ right to control their communications without unintentionally cutting off the very alerts that can help protect their financial security.” “Financial security is part of military readiness, and timely communication is an important part of protecting that security,” Jason Stverak, DCUC Chief Advocacy Officer, reminds. “The FCC’s draft order recognizes that an opt-out of one type of communication should not necessarily prevent a credit union from reaching a member with a critical fraud or security alert. We appreciate the Commission’s willingness to consider a more workable framework and will remain engaged as the order moves toward final consideration.” The FCC’s proposal also would allow callers to designate an exclusive revocation method from among specified options, including an automated telephone mechanism, standardized reply-text terms, or a designated website or telephone number, provided the method is clearly disclosed. The approach is intended to give consumers a simple way to revoke consent while allowing organizations to process requests consistently through automated systems. The FCC’s FNPRM seeks additional comments on several related issues, including the timeframe for honoring revocation requests, two-way texting requirements, whether callers should be required to provide a method to revoke consent for all robocalls, and the treatment of affiliates. The FCC draft order is scheduled for tentative consideration at the Commission’s Sept. 30, 2026, open meeting. DCUC will continue to engage with the FCC and policymakers on behalf of defense credit unions and their members as the Commission considers the proposed changes.
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Originally reported by DCUC.