Blog

One question at a time, answered with sources

Each post takes a question people are asking about permission and proof, gives the answer first and links the source for every fact it relies on.

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Text messaging

10DLC Registration Cost: Every Fee and How Long Approval Takes

10DLC registration cost in 2026: the registry's brand, vetting and monthly campaign fees, what Twilio and HighLevel charge, and how long review takes.

12 min read · November 13, 2026

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Text messaging

Toll-Free Verification Requirements: What the Form Asks For in 2026

Toll-free verification requirements in 2026: the business registration number, opt-in proof and policy pages providers ask for before a number can text.

11 min read · November 13, 2026

Text messaging

SMS Opt-In Examples: Wording and Forms That Match Carrier Rules

SMS opt-in examples for web forms, keywords, paper and phone sign-up, built from the disclosures carriers and registration reviewers list.

12 min read · November 13, 2026

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Text messaging

SMS Privacy Policy Requirements: What Carriers Check Before Approval

SMS privacy policy requirements for 10DLC and toll-free approval: the no-sharing statement, required disclosures, and where reviewers expect the link.

11 min read · November 13, 2026

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Text messaging

10DLC Campaign Use Cases: How to Choose the Right One

10DLC campaign use cases explained: the standard, low-volume and special types, what each costs per month, and how a wrong choice leads to rejection.

12 min read · November 13, 2026

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Text messaging

Twilio Error 30034: What It Means and How to Clear It

Twilio error 30034 means a text came from a US 10DLC number not linked to an approved A2P campaign. Here are the four causes and the fix for each.

11 min read · November 13, 2026

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Text messaging

GoHighLevel A2P 10DLC Registration: Registering Client Senders Step by Step

GoHighLevel A2P 10DLC registration for agencies: the Trust Center steps, the fees HighLevel lists, the consent widget and what its rejection codes mean.

12 min read · November 13, 2026

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Text messaging

10DLC Sole Proprietor Registration: How to Register Without an EIN

10DLC sole proprietor registration lets a US or Canadian business with no EIN send texts, with one campaign, one number and low daily limits.

13 min read · November 13, 2026

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Calling and texting

TCPA Text Message Rules: What Applies When a Business Texts Customers

TCPA text message rules cover consent, opt-outs, sending hours and Do Not Call lists, and courts disagreed in 2026 about how far some of them reach.

12 min read · November 13, 2026

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Calling and texting

TCPA Quiet Hours: When You May Call or Text, by the Recipient's Clock

TCPA quiet hours bar telephone solicitations before 8 a.m. or after 9 p.m. in the recipient's local time, and several states set narrower windows.

12 min read · November 13, 2026

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Calling and texting

TCPA Opt-Out Requirements: Honoring STOP and Every Other Way People Say No

TCPA opt-out requirements give a business ten business days at most to honor a revocation, and an amended FCC rule changes the details on 25 November 2026.

12 min read · November 13, 2026

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Calling and texting

Texas SB 140: What the Law Means for Businesses That Text

Texas SB 140 brought marketing texts into the state telephone solicitation law on 1 September 2025 and opened violations to private suits.

12 min read · November 13, 2026

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Calling and texting

Do Not Call List for Businesses: How to Access and Scrub the National Registry

The do not call list for businesses is the FTC's telemarketer portal, where sellers subscribe by area code and must re-sync their lists every 31 days.

12 min read · November 13, 2026

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Calling and texting

Are Text Messages Calls Under the TCPA? The Court Split Over Texts and Do Not Call Claims

Whether text messages are calls under the TCPA now depends on the court: the Seventh Circuit said no for Do Not Call claims in July 2026.

12 min read · November 13, 2026

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Calls and texts

TCPA Demand Letter: What to Do in the First Days and Which Records to Gather

A TCPA demand letter starts a short process: hand it to a lawyer, stop contact to the number, preserve everything and gather the records behind each call.

12 min read · November 13, 2026

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Calls and texts

Prior Express Written Consent: What the FCC Definition Requires in 2026

Prior express written consent is a signed agreement naming the seller and phone number, with two disclosures, required for automated marketing calls.

12 min read · November 13, 2026

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Calls and texts

Florida Telephone Solicitation Act: The Rules for Sales Calls and Texts to Florida Numbers

The Florida Telephone Solicitation Act requires written consent for automated sales calls and texts and lets a called person sue for 500 dollars per violation.

11 min read · November 13, 2026

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Calls and texts

Reassigned Numbers Database: How the Safe Harbor Works and Where It Stops

The Reassigned Numbers Database tells a caller whether a phone number was disconnected after a given date, and a 'no' answer can support a narrow safe harbor.

11 min read · November 13, 2026

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Calls and texts

AI Voice Agent Consent: What Has to Be on File Before an AI Agent Places a Call

AI voice agent consent follows the artificial-voice rules: prior express consent for every outbound call, and written consent when the call markets something.

12 min read · November 13, 2026

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Subscriptions

California Automatic Renewal Law: What Section 17602 Requires After the 2025 Amendments

California's automatic renewal law requires express consent to renewal terms, same-medium cancellation, fee-change notices and yearly reminders.

12 min read · November 13, 2026

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Subscriptions

Auto-Renewal Laws by State: How the Rules Differ on Notices, Cancellation and Who Can Sue

Auto-renewal laws by state share a core of disclosure, consent and easy cancellation, but differ on notice windows, online cancellation and who can sue.

11 min read · November 13, 2026

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Subscriptions

Subscription Cancellation Requirements: What a Cancellation Flow Has to Offer

Subscription cancellation requirements under ROSCA, state renewal laws and card-network rules: what each one says a cancel flow must offer.

12 min read · November 13, 2026

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Subscriptions

Free Trial Disclosure Rules: What to Disclose Before a Trial Converts to Paid

Free trial disclosure rules from ROSCA, state renewal laws, Visa and Mastercard: what a customer must be told before a trial converts to paid.

12 min read · November 13, 2026

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Subscriptions

Automatic Renewal Demand Letter: What to Gather Before a Lawyer Responds

An automatic renewal demand letter starts a statutory clock in California. Here is the process and the records to gather so that a lawyer can respond.

12 min read · November 13, 2026

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Subscriptions

ROSCA Requirements: What the Restore Online Shoppers' Confidence Act Says

ROSCA requirements for online subscriptions: disclose material terms before billing, get express informed consent and offer a simple way to cancel.

11 min read · November 13, 2026

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Payments

Visa VAMP: How the Visa Acquirer Monitoring Program Counts Disputes

Visa VAMP counts fraud reports plus disputes against settled card-not-present transactions. Here are the formula, the thresholds and the exclusions.

11 min read · November 13, 2026

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Payments

Compelling Evidence 3.0: What It Covers and What It Does Not

Compelling Evidence 3.0 lets a merchant answer one type of Visa fraud dispute with a customer's earlier undisputed purchases. Here is where it stops.

12 min read · November 13, 2026

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Payments

Friendly Fraud: Why Subscription Charges Get Disputed and What the Card Networks Say

Friendly fraud is a cardholder disputing a charge they or their household made. Here is what Visa and Mastercard say about it for subscriptions.

11 min read · November 13, 2026

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Card disputes

Chargeback Ratio: How Visa and Mastercard Calculate It, With a Worked Example

How to calculate a chargeback ratio the way Visa and Mastercard do, which month's transactions go in the denominator, and why your own number can differ.

11 min read · November 13, 2026

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Card disputes

Chargeback Reason Codes: The Ones Subscription Sellers See Most and What Each Asks For

The chargeback reason codes subscription sellers see most on Visa, Mastercard and American Express, what each one claims, and the evidence each calls for.

11 min read · November 13, 2026

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Online terms

Clickwrap vs Browsewrap: How Courts Treat Each Way of Presenting Online Terms

Clickwrap vs browsewrap, with sign-in wrap and scrollwrap: what each asks the customer to do and how appellate courts have ruled on each.

11 min read · November 13, 2026

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Online terms

Sign-In Wrap Agreement: When a Sign-Up Screen Binds a Customer to Your Terms

A sign-in wrap agreement binds a customer only when the notice is conspicuous and names the action that means agreement, as Ninth Circuit rulings show.

11 min read · November 13, 2026

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Online terms

How to Update Terms of Service: What Courts Require Before a Change Binds Existing Customers

How to update terms of service so the change binds existing customers: what four Ninth Circuit rulings say about notice, assent and the records to keep.

11 min read · November 13, 2026

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Online terms

SMS Terms and Conditions: Why Text Sign-Up Flows Keep Losing Arbitration Motions

Why SMS terms and conditions often fail to bind subscribers to arbitration: four rulings on text sign-up and lead forms, and what decided them.

12 min read · November 13, 2026

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Online terms

Proof of Consent: What Courts Have Accepted and Rejected as Evidence of Agreement

What counts as proof of consent in court: the screenshots, declarations and logs judges accepted or rejected when companies tried to show a customer agreed.

12 min read · November 13, 2026

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Recording and AI

Two-Party Consent States: Which States Require Everyone to Agree Before You Record

Two-party consent states require every person in a conversation to agree before it is recorded, and published lists name between 11 and 14 of them.

12 min read · November 13, 2026

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Recording and AI

Is It Legal to Record a Zoom Call: Consent Rules for Recording Video Meetings

Is it legal to record a Zoom call? Federal law needs one participant's consent, and about a dozen states require every participant to agree first.

11 min read · November 13, 2026

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Recording and AI

AI Medical Scribe Consent: What Patients Must Be Told Before an AI Scribe Listens

AI medical scribe consent comes from state law more than HIPAA: two states now require disclosure, and California suits allege recording without consent.

12 min read · November 13, 2026

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Recording and AI

Otter AI Lawsuit: What the Notetaker Case Alleges and Where It Stands

The Otter AI lawsuit alleges the notetaker recorded meetings without everyone's consent; wiretap and biometric claims survived dismissal on 13 August 2026.

11 min read · November 13, 2026

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Recording and AI

Block AI Notetakers: How to Keep Uninvited AI Notetakers Out of Your Meetings

To block AI notetakers, use the lobby and bot controls in Teams, Zoom and Google Meet, then cover device-level recorders with a written policy.

11 min read · November 13, 2026

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Automated decisions

Colorado AI Act: What the Replacement Law Requires From 1 January 2027

The Colorado AI Act was repealed and replaced by SB 26-189, whose notice, review and record-keeping duties for automated decisions start on 1 January 2027.

11 min read · November 13, 2026

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Automated decisions

California ADMT Regulations: What the Automated Decision-Making Rules Require by 1 January 2027

California ADMT regulations require a pre-use notice, an opt-out and an access right when automated technology makes significant decisions, by 1 January 2027.

11 min read · November 13, 2026

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Automated decisions

NYC Local Law 144: The Bias Audit and Notice Rules for Automated Hiring Tools

NYC Local Law 144 bars employers from using an automated hiring tool without a bias audit in the past year, a public summary and notice to candidates.

12 min read · November 13, 2026

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Automated decisions

Illinois AI Hiring Law: What HB 3773 Says and Why the Notice Rules Are Still Missing

The Illinois AI hiring law, HB 3773, took effect on 1 January 2026. It bars discriminatory AI use and requires notice, but the notice rules were withdrawn.

12 min read · November 13, 2026

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Website tracking

Global Privacy Control: What the Signal Is and Which Businesses Must Honor It

Global Privacy Control is a browser signal asking sites not to sell or share personal data. California, Colorado, Connecticut and Oregon make it binding.

12 min read · November 13, 2026

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Website tracking

CIPA Demand Letter: What to Do First and Which Records to Gather for Your Lawyer

A CIPA demand letter claims your website tags broke California wiretap law. Here is the process to follow and the records to gather before a lawyer responds.

13 min read · November 13, 2026

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Website tracking

Is the Meta Pixel Illegal? When a Tracking Pixel Becomes a Legal Problem

Is the Meta Pixel illegal? No US law bans it by name. The risk comes from what it sends, whose data it is, and whether an opt-out actually stops it.

13 min read · November 13, 2026

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Website tracking

Cookie Banner Requirements: What US Law Requires and What a Banner Cannot Do

US cookie banner requirements are mostly about opt-outs. California says a banner alone is not an opt-out method, and broken banners have drawn fines.

12 min read · November 13, 2026

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Website tracking

CCPA Opt-Out Enforcement: What Regulators Fined Companies for When Opt-Outs Failed

CCPA opt-out enforcement from 2022 to 2026: nine California actions from $345,178 to $2.75 million, and the specific opt-out failure behind each one.

12 min read · November 13, 2026

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Disclosures

Real Estate Wholesaling Laws by State: Disclosure, Licensing and Cancellation Rules in Nine States

Real estate wholesaling laws by state, read from the statutes: what nine states require for disclosure, licensing and a seller right to cancel.

13 min read · November 13, 2026

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Disclosures

Solar Sales Disclosure Laws: What Six States Require Before a Homeowner Signs

Solar sales disclosure laws in six states, read from the statutes: required forms, type sizes, savings disclaimers and a homeowner right to cancel in each.

14 min read · November 13, 2026

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Text messaging

Why 10DLC Campaigns Get Rejected: The Published Reasons and How to Fix Them

Most published 10DLC rejection reasons concern opt-in proof and policy wording, and each one has a specific fix you can make before you resubmit.

8 min read · November 12, 2026

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Calls and texts

Is AI Cold Calling Legal? What the FCC Ruling and the 2026 Cases Say

An AI voice call is treated under federal law as an artificial-voice call, so whether it is lawful depends on the consent you hold for that phone number.

8 min read · November 12, 2026

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Subscriptions

Click-to-Cancel in 2026: What Still Applies After the FTC Rule Was Vacated

A court vacated the FTC's click-to-cancel amendments in July 2025, but state automatic-renewal laws and federal enforcement still govern how you sign people up and let them leave.

8 min read · November 12, 2026

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Payments

Visa's 1.5% Dispute Threshold: What Changed in April 2026 for Subscription Merchants

Payment vendors report that Visa lowered its excessive dispute ratio for merchants from 2.2% to 1.5% on 1 April 2026, which leaves subscription sellers less room for disputed renewals.

8 min read · November 12, 2026

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Online terms

Why Arbitration Clauses Fail Online: The Sign-Up Screens Courts Refused to Enforce

Courts in 2025 and 2026 refused to enforce arbitration clauses where the company could not show clear notice of its terms and an unambiguous act of agreement.

7 min read · November 12, 2026

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Recording and AI

AI Notetaker Consent: What the Otter Case and All-Party Consent States Mean for Your Meetings

An AI notetaker is a recording made by an outside company, so in all-party consent states every participant needs to be told and to agree before it starts.

8 min read · November 12, 2026

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Automated decisions

AI Decision Rules on 1 January 2027: What Colorado and California Now Require

Colorado and California both have automated-decision obligations dated 1 January 2027, and both now center on notices, a route to human review and records.

8 min read · November 12, 2026

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Website tracking

California Pixel Lawsuits After SB 690: What Changes on 1 January 2027 and What Does Not

SB 690 ends private pen-register lawsuits over websites and apps from 1 January 2027, but wiretap claims and regulator penalties for broken opt-outs remain.

8 min read · November 12, 2026

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Disclosures

Wholesaler and Solar Disclosure Laws in 2026: Which States Acted and What to Keep on File

Several states passed wholesaler and residential-solar disclosure laws in 2025 and 2026, and many give the seller or homeowner a right to cancel.

8 min read · November 12, 2026

Consentra is software. Nothing on this site is legal advice, and using Consentra does not by itself make a business compliant with any law or carrier rule. Whether a rule applies to your business is a question for your counsel.

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