Telephone Consumer Protection Act

The Telephone Consumer Protection Act of 1991 (TCPA) was passed by the United States Congress in 1991 and signed into law by President George H. W. Bush as Public Law 102-243. The TCPA restricts telephone solicitations (i.e., telemarketing) and the use of automated telephone equipment. The TCPA limits the use of automatic dialing systems, artificial or prerecorded voice messages, SMS text messages, and fax machines. It also specifies several technical requirements for fax machines, auto dialers, and voice messaging systems—principally with provisions requiring identification and contact information of the entity using the device to be contained in the message.

• Have you received calls from creditors and/or collectors before 8 a.m. or after 9 p.m., local time?
• Have you told creditors and/or collectors not to contact you and they still continue to call?
• Do the creditors and/or collectors provide their name, the name of the person or entity on whose behalf the call is being made, and a telephone number or address at which that person or entity may be contacted?
• Are you receiving creditors and/or collectors calls that use an artificial voice or a recording?
• Are you receiving creditors and/or collectors calls that are using automated telephone equipment or an artificial or prerecorded voice to an emergency line (e.g., “911”), a hospital emergency number, a physician’s office, a hospital/health care facility/elderly room, a cellular telephone, or any service for which the recipient is charged for the call?
• Are you receiving unwanted calls to your cell phone?
• Are you being contacted by a company looking for a different person, even after you requested them to stop calling?

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