In 2015, FCC released a Ruling and Order concerning the Telephone Consumer Protection Act (TCPA) that immediately addressed text messaging and consumer protection.
The TCPA rules and regulations state that written consent is required before sending any text message to a consumer's mobile phone. Written consent is also covered under the E-SIGN Act, which states that collecting prior consent includes electronic or digital forms of signature.
Shastic's text messaging platform, Elle, solves this by making sure to get the prospect's express consent before capturing any contact information or delivering any message, per TCPA guidelines. Specifically, Elle provides multiple optimized "opt-in" buttons to request consent and engage in communication through both Web and Mobile Banking
. Please see the following example:
After clicking on the 'Chat With Us' button, the Financial Institution captures each member's consent to receive text messages. You will notice the compliance language and the pre-checked box aligns with TCPA rules and regulations.
When the member enters their name and mobile number, then clicks 'Let's Talk', a member will receive an automatic (RPA) text message from the FInancial Institution to prompt the member to ask a question.
Additionally, Financial Institutions are attaching these Elle opt-in buttons to their 'Apply Now' buttons, for both web and mobile, across all loan products as well as new membership account call-to-action buttons.
What's great about tying the Elle pop-up with both 'Apply Now' and 'New Member' buttons is how Elle provides a smooth re-direction into the Origination application platform, while also providing real-time tracking integration for both LOS and Member Origination systems.
Finally, Elle is also integrated with your existing Shastic Estimator Bots to ask for opt-in at the point of collecting a lead before any message is sent from Elle to a prospect.
For more information regarding Shastic Text Messaging Guidelines go here