GetA2PApproved

Before You Register

A2P 10DLC Industry Eligibility

Not every business can register for A2P 10DLC. Carriers and the CTIA block certain industries entirely, and restrict others to transactional messages only. Check your industry below before purchasing.

Standard

Your industry is not regulated. You can send both marketing and transactional SMS messages with proper consent.

Restricted

You can register, but only for transactional messages. Promotional and marketing SMS is not permitted. We generate transactional-only compliant documents.

Prohibited

Your industry is blocked from A2P 10DLC registration entirely. Carriers will reject your application regardless of message type or consent.

Universal Rules for All Industries

  • Every message must identify your business by name
  • Every message must include STOP opt-out language
  • Every message must include "Msg & data rates may apply"
  • Opt-in consent must be express, written, and unchecked by default
  • SMS opt-in data cannot be shared or transferred to any third party
  • Transactional messages must be triggered by a user action — not broadcast on a schedule
  • Any message with a promotional call to action, discount, or rate quote is considered promotional
  • Messages to contacts who did not affirmatively opt in are prohibited

Fully Prohibited Industries

Cannot register for A2P 10DLC at all — blocked regardless of message type or consent

Cannabis or Hemp

Blocked at the carrier level entirely. No messages of any kind — promotional or transactional — are permitted. Carriers will reject registration regardless of consent obtained.

Payday Loans

The entire business category is rejected at registration. Payment reminders, due date alerts, and account status updates are blocked along with promotional messages.

Third-Party Debt Collection

Blocked due to FDCPA conflicts and high consumer complaint rates. Even legitimate debt status notifications are prohibited — carriers will not approve this use case.

Gambling & Sweepstakes

Commercial gambling operations are blocked entirely. Very narrow exceptions exist for state-licensed lottery systems only.

Firearms Dealers

Promotional messaging is prohibited. Some narrow transactional use cases (e.g., background check status) may be considered for licensed dealers on a case-by-case basis.

Illicit Drugs / Controlled Substances

No exceptions. All message types are fully blocked at the carrier level.

Restricted Industries — Transactional Only

Can register for A2P 10DLC, but limited to transactional messages. No promotional or marketing SMS.

Mortgage Lending & BrokerageRESPA, TILA, Regulation Z

Not Permitted

  • Rate quote blasts (e.g., '30-year fixed at 6.5% — call us today')
  • Pre-approval solicitations to cold or purchased leads
  • Refinance campaign messages
  • Cash-out equity promotions
  • Urgency-based rate lock offers

Permitted (Transactional)

  • Application receipt confirmations
  • Rate lock confirmations tied to an active borrower file
  • Document checklist requests for open loan files
  • Underwriting status updates
  • Closing date confirmations and funding notifications
  • Payment reminders for active loan agreements
Banking & Credit UnionsGramm-Leach-Bliley Act, FDIC/NCUA regulations

Not Permitted

  • New account promotions
  • Credit card offer solicitations
  • Loan product advertisements
  • Promotional interest rate offers
  • Cross-sell messages for additional products

Permitted (Transactional)

  • Account balance and transaction alerts
  • Fraud detection and suspicious activity notifications
  • Low balance warnings
  • Wire transfer confirmations
  • Password reset and security verification codes (OTP)
Insurance CompaniesState insurance department regulations, NAIC guidelines

Not Permitted

  • Policy solicitations to cold leads
  • Premium rate promotions (e.g., 'Switch and save 20%')
  • Coverage upsell messages
  • Open enrollment campaign blasts
  • Cross-sell messages for additional products

Permitted (Transactional)

  • Policy renewal reminders for specific expiring policies
  • Payment due date reminders
  • Claim status updates and filing confirmations
  • Adjuster appointment confirmations
  • Coverage change confirmations initiated by the policyholder
Investment Advisors & Securities FirmsSEC, FINRA, Investment Advisers Act

Not Permitted

  • Investment product solicitations
  • Stock or fund recommendations
  • Portfolio performance teasers
  • Sales-oriented seminar invitations
  • Cold outreach to prospect lists
  • Any message that could be construed as investment advice

Permitted (Transactional)

  • Trade confirmation notifications for existing clients
  • Account statement availability alerts
  • Meeting and review appointment confirmations
  • Required regulatory disclosures triggered by account activity
  • Authentication and security verification codes
Healthcare ProvidersHIPAA, HITECH Act
All messages must be HIPAA-compliant. PHI must never appear in SMS message bodies.

Not Permitted

  • New patient solicitation campaigns
  • Promotional messaging for elective procedures
  • Wellness product upsell messages
  • Health screening event promotions to general lists
  • Any message marketing services to patients who haven't inquired

Permitted (Transactional)

  • Appointment reminders and confirmations
  • Prescription ready notifications
  • Lab result availability alerts (no PHI in message body)
  • Post-appointment follow-up care instructions
  • Billing statements and payment reminders
Debt ConsolidationFTC regulations on debt relief services
Heavily scrutinized. Requires strong opt-in documentation. Frequently rejected without exceptional consent records.

Not Permitted

  • Cold outreach campaigns
  • Savings-based promotional messaging
  • Urgency-based solicitations to purchased leads

Permitted (Transactional)

  • Program enrollment confirmations for active clients
  • Payment schedule notifications for enrolled clients
  • Account status updates for clients with active plans
Credit Repair ServicesCredit Repair Organizations Act (CROA), FTC rules
Frequently rejected by carriers even for transactional campaigns. Requires exceptional documentation of explicit written consent and active client relationships.

Not Permitted

  • Solicitation campaigns (e.g., 'We can remove negative items')
  • Before-and-after score promotional messaging
  • Urgency-based outreach
  • Cold lead nurture sequences

Permitted (Transactional)

  • Dispute status updates for clients with active engagements
  • Document request notifications for open files
  • Progress updates tied to an active service agreement
Law Firms & Legal ServicesState Bar Model Rules of Professional Conduct (Rule 7.3)
SMS solicitation of prospective clients is prohibited in virtually all U.S. jurisdictions under state bar advertising rules, layered on top of carrier restrictions.

Not Permitted

  • Solicitation of new clients via SMS
  • Accident or injury campaign messages
  • Mass outreach to purchased leads
  • Settlement advertising

Permitted (Transactional)

  • Case status updates for existing clients
  • Court date reminders for active clients
  • Document request notifications for open matters
  • Appointment confirmations for client-initiated consultations
  • Billing reminders for existing clients
Political CampaignsFEC regulations, carrier political use case requirements
Political campaigns must register under a dedicated Political use case with additional carrier vetting. P2P and A2P operate under different rules.

Not Permitted

  • Broadcast promotional political messaging via A2P 10DLC without special-use registration
  • Mass unsolicited campaign blasts
  • P2P political texting via A2P platforms without P2P registration

Permitted (Transactional)

  • Volunteer shift confirmations
  • Event logistics for confirmed attendees
  • Donation receipt confirmations
  • RSVP confirmations for registered attendees

Ready to Get Started?

If your industry is eligible, we'll generate fully compliant documents tailored to your registration requirements — including transactional-only language if your industry requires it.

View Pricing

Not sure if you qualify? The questionnaire will flag any industry restrictions before you generate.

This page is for informational purposes only and does not constitute legal advice. Industry eligibility rules for A2P 10DLC are set by carriers and the CTIA and are subject to change. We recommend consulting a licensed attorney before submitting your A2P registration. GetA2PApproved does not guarantee registration approval.