The FICO Data Privacy Policy explains FICO’s collection and use of cookies. Cookies help us remember your settings to provide you with a better browsing experience; allow us to assess, monitor, and improve the website’s performance; and enable our partners to advertise to you. You may disable the cookies by changing the settings in your browser, and you may tell us not to share your cookie data with third parties. By using this website, you consent to the use of cookies as described in the FICO Data Privacy Policy.
Executive Brief
Since the 1990s, the law has placed certain restrictions on telephone solicitations and advertising (telemarketing) for calls initiated with an automated telephone dialing system (ATDS or autodialer) or that use an artificial voice or pre-recorded voice message. These restrictions also apply, albeit with some differences, to non-telemarketing “informational” calls, such as debt collection. With no subsequent statutory updates, limited regulatory guidance, and conflicting court decisions, there remains uncertainty on the application of these restrictions to modern technology, such as mobile phone text messaging.
This Q&A provides information on how organizations may use the FICO® Customer Communications Services solution to increase the effectiveness of debt collection with text messaging, and a description of certain considerations with respect to applicable legal restrictions.