Telephone Consumer Protection Act Policy

Updated 06/12/2026

The TCPA restricts the making of telemarketing calls and the use of automatic telephone dialing systems and artificial or prerecorded voice messages.

Rule: 47 U.S.C. § 227; 47 CFR § 64.1200

Toolkit: Advertising & Marketing

Keywords: Telephone Consumer Protection Act, TCPA, ATDS, AI generated voice, artificial voice, DNC, TRACED Act, Telemarketing, Do Not Call

6/5/2026 – The TCPA Policy has been extensively revised and reorganized. Because of the volume of changes, revisions are not highlighted in this version. Members should compare any previously downloaded version to the current version to review the changes.

Key updates include:

  • Revised the Purpose and Scope section to address enforcement and policy exceptions;
  • Added a new Overview section covering TCPA applicability, consent requirements, calling time restrictions, and general prohibitions;
  • Added a new Automated Calls, Texts, and Prerecorded or Artificial Voice Messages section;
  • Revised the Telephone Solicitation Calls and Do-Not-Call Requirements section;
  • Added a new Third-Party Vendors section;
  • Revised the Audit section to incorporate monitoring requirements;
  • Removed references to CAN-SPAM and email communications (see the CAN-SPAM Policy for email-related requirements); and
  • Incorporated the TRACED Act in the Overview section.

Members Can Download This Tool

Login to Download


Not Yet a Member?

Our members enjoy:

On-demand regulatory guidance hotline – by chat, phone and email – available from anywhere, on any device – 7 am - 6 pm, M-F, Central time 

Research time saved daily & weekly across forms, checklists, and trainings — for every regulation

Hours of form-building and branding of bank documents saved; in some cases, even the budget of additional staff

A sounding board for support and reassessment when institutional goals or the regulatory environment changes

Access to attorneys and compliance specialists for risk modelling and decision-making in advance of large business decisions

The knowledge that C/A was created and owned by 30 State Bankers Association to provide bank compliance services to their membership organizations

Find out how a personalized team of attorneys and compliance professionals helps build targeted compliance strategies throughout your institution when you take our Live Membership Demo.

Become a Member