DCUC, Joint Trade Associations Respond to FCC’s NPRM on Know Your Upstream Provider Requirements
By DCUC Staff —
WASHINGTON, D.C. — Yesterday, the Defense Credit Union Council (DCUC) and a coalition of joint trade associations provided official comments on the Federal Communications Commission’s (FCC) Further Notice of Proposed Rulemaking to enhance “know-your-upstream provider” (KYUP) requirements and strengthen the “STIR/SHAKEN” caller ID authentication framework.
The American Bankers Association (ABA), ACA International, American Financial Services Association, America’s Credit Unions, Bank Policy Institute, Consumer Bankers Association, Defense Credit Union Council, Electronic Transactions Association, Financial Technology Association, Mortgage Bankers Association, National Council of Higher Education Resources, Payments Leadership Council, and Student Loan Servicing Alliance (collectively, the Associations) stated: “Fraud and scams continue to be a pervasive problem that often takes an extraordinary financial and emotional toll on consumers. In a December 2025 report, the Federal Trade Commission estimated that 2024 fraud and scam losses totaled a staggering $196 billion. A separate 2026 report found that, in 2025, 6% of U.S. adults – an estimated 15.1 million people – say they were scammed out of money. Banks, credit unions, and other financial service providers see firsthand the enormous harm caused by criminals who impersonate trusted financial institutions in illegally “spoofed” calls to consumers and businesses.” The Associations called for the Commission to increase requirements for providing A-Level and B-Level attestation to prevent bad-faith originating providers from assigning inaccurate attestation levels to calls, and adopt specific KYUP requirements that require providers to know, verify, monitor, and act on information about their upstream providers. “By adopting these proposed revisions, the Commission can reduce consumer harm, improve accountability across the voice ecosystem, strengthen the value of caller ID authentication, and better protect consumers and legitimate businesses from impersonation scams and other types of fraud.”
1627 Eye Street, NWSuite 935Washington, DC 20006202.734.5007[email protected]
ALERT NewsletterArmed Forces Financial NetworkFinancial Education ResourcesVeterans Benefits Banking Program
Copyright Defense Credit Union Council. All Rights Reserved.
Originally reported by DCUC.