47 U.S.C. § 227

Telephone Consumer Protection Act

Statute — United States Federal
Effective: December 20, 1991 37 platforms tracked 1569 provisions indexed Enforced by: Federal Communications Commission (FCC), Federal Courts (private right of action), State Attorneys General Last reviewed May 9, 2026

Overview

The Telephone Consumer Protection Act regulates telemarketing calls, auto-dialed calls, prerecorded calls, text messages, and unsolicited faxes. For platform governance, TCPA is increasingly relevant because text message communications from platforms to users fall under its scope.

TCPA requires prior express consent for auto-dialed or prerecorded calls to cell phones, prior express written consent for telemarketing calls/texts, and provides a private right of action with statutory damages.

Platform terms of service frequently include TCPA consent language, requiring users to agree to receive automated calls and text messages as a condition of service. These consent provisions have been the subject of significant litigation against major technology platforms.

Penalties

$500 per violation, $1,500 for knowing/willful. No aggregate cap. FCC: up to $10,000 per violation. Class actions routinely reach $50-100M+.

Key Articles & Sections

Platforms We Track Subject to TCPA

Recent Changes Related to TCPA

ConductAtlas maps governance language to potentially relevant regulatory frameworks. Regulatory applicability and enforceability may vary by jurisdiction, enforcement context, and individual circumstances. This page is informational and does not constitute legal advice. Methodology

Provisions Governed by TCPA (1569 across 37 platforms)

California and Oregon residents may limit sensitive data use Affirm
Medium
Oregon Minnesota Montana residents have appeal rights Affirm
Medium
Right to opt out of targeted advertising data processing Affirm
Medium
Right to non-discrimination for exercising privacy rights Affirm
Medium
California residents right to correct inaccurate information Affirm
Medium
California residents right to know and access personal information Affirm
Medium
User can withdraw geolocation consent anytime Affirm
Medium
Affirm uses information to comply with legal obligations Affirm
Medium
Affirm honors Global Privacy Control signals Affirm
Medium
California Shine the Light opt-out mechanism provided Affirm
Medium
User may opt out of CCPA sale and sharing via cookie preferences Affirm
Medium
Right to Withhold Payment for Dissatisfying Purchases Affirm
Medium
Information obtained from merchant partners Affirm
Medium
Cookies and tracking technologies used for personalized advertising Affirm
Medium
Information obtained from business and strategic partners Affirm
Medium
Information obtained from social media platforms Affirm
Medium
Affirm collects personal information from credit bureaus and affiliates Affirm
Medium
Affirm uses information for marketing and promotions Affirm
Medium
Closed account data not used for further purposes or sold Affirm
Medium
De-identified information not subject to notice restrictions Affirm
Medium
User right to review and edit personal information Affirm
Medium
User may request account closure without active loan Affirm
Medium
Information obtained from online advertising partners Affirm
Medium
Customer service interactions recorded and stored Affirm
Medium
Affirm Right to Monitor and Record Phone Calls Affirm
Medium
User Right to Withdraw E-Sign Consent Affirm
Medium
Automatic device and usage data collection Affirm
Medium
Geolocation collected with user consent Affirm
Medium
Browser extension collects visited website domains Affirm
Medium
Identity verification required to process privacy requests Affirm
Medium

Showing 30 of 1569 provisions. View all →

Official Source

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Frequently Asked Questions

What does TCPA require?

Which platforms does TCPA apply to?

ConductAtlas tracks TCPA-relevant provisions across 37 platforms. Each platform's specific provisions are classified by severity and mapped to TCPA requirements.

How does ConductAtlas monitor TCPA compliance?

ConductAtlas captures policy documents daily, classifies provisions by regulatory framework, and flags changes that affect TCPA obligations. Every change is archived with cryptographic verification.