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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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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]

FCC Takes Narrow View of TCPA "Emergency Purposes" Exemption for Coronavirus-Related Texts

23 March 2020
A small child in a superhero pose, wearing a blue t-shirt, red mask and red cape [Image by creator yuryimaging from AdobeStock]

An Incredible End to the Bad Reyes Saga: Court Vacates Certification and Summary Judgment Rulings and Dismisses Case!

19 March 2020
Photo of hourglass with sand all in the bottom [Image by creator Zerophoto from AdobeStock]

Over Fifteen Years Later Court Determines TCPA Plaintiff Lacks Article III Standing

17 March 2020
Illustration of a business man with a magnifying glass following $ signs [Image by creator spectrumblue from AdobeStock]

Gadelhak Plaintiff Seeks Re-Hearing from the Seventh Circuit on TCPA’s ATDS Definition–Argues Peacock Shot Mustard Using a Candlestick

10 March 2020
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]

Huge Text Platform Earns Important TCPA Summary Judgment Ruling

2 March 2020
[Image by creator bbourdages from AdobeStock]

When In Doubt, Wait for Clarity: Another Court Stays a TCPA Case Pending Supreme Court’s Review of Constitutionality of TCPA

27 February 2020
Child holding can and string phone to ear [Image by creator Chepko Danil from AdobeStock]

TCPA Article III Battle Continues: “Enduring” a 30 Second Voicemail is Harm Enough to Afford Standing

24 February 2020
Cocktail with green garnish [Image by creator from ]

Seventh Circuit Joins The Party: Another Circuit Rejects Marks And Holds A Random or Sequential Number Generator Is Required For A System to be An ATDS

20 February 2020
Photo of courthouse building with "judicial" written on it [Image by creator Natalia Bratslavsky from AdobeStock]

Glasser Plaintiff Seeks Re-Hearing from Eleventh Circuit En Banc of ATDS Definition Decision

19 February 2020
Image of a neon bright yellow outline of a wired phone handset against a black background [Image by creator SergeyNivens from AdobeStock]

Violate the TCPA and End Up in Handcuffs?: Telemarketer to be Arrested for Failing to Stop Unlawful Calls

13 February 2020
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]

Three Texts , No Harm: TCPA Text Message Case Dismissed for Lack of Article III Standing

12 February 2020
Two gladiators dressed in full armor standing back to back in a snow covered forest [Image by creator vitfedotov from AdobeStock]

The Rise and Fall of TCPA Suits in the Sunshine State: How the Eleventh Circuit Court of Appeal Created and Destroyed a Cottage Litigation Industry in Florida

10 February 2020
[Image by creator Argus from AdobeStock]

5 Steps to Take When That Lawsuit Comes Through the Door

5 February 2020
[Image by creator Coloures-Pic from AdobeStock]

Tug of War Continues: D.N.J. Follows Marks, Holds VICIdialer is an ATDS, Finds Pre-Recorded Voicemails Trigger TCPA

5 February 2020
Phone with "voice mail" text on it [Image by creator iQoncept from AdobeStock]

Ringless Voicemail Battle Faces Setback–Court Refuses to Hear RVM User’s Request for Summary Judgment

30 January 2020
Microphone sitting on table [Image by creator olegkruglyak3 from AdobeStock]

Eleventh Circuit Rejects Marks and Torches Expansive TCPA Reading; Holds ATDS Requires Random or Sequential Number Generation

28 January 2020
Photo of hourglass with sand all in the bottom [Image by creator Zerophoto from AdobeStock]

Timing is Everything: Here is the Timetable for the Big SCOTUS TCPA Review and the TRACED Act Roll Out

22 January 2020
Danger, warning, and caution roadsigns [Image by creator iQoncept from AdobeStock]

Corporate Officer Faces Personal Liability for TCPA Suit For Failing to Stop Calls

21 January 2020
Fingers crossed behind man's back [Image by creator Dmitriy from AdobeStock]

Plaintiff’s Lawyer Personally Sues Big Lead Generator in TCPA Class Action—Contends Leads Were Systemically Cooked Up

16 January 2020
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Another Case Holding Random or Sequential Number Generation Is Required For An ATDS under the TCPA

15 January 2020

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