Regulations and Restrictions for SMS in the United States

SMS is one of the most effective means of communication that a business can utilize. With up to 98% open-rates, it’s no wonder it’s so popular.

However, there are quite a few rules and regulations regarding SMS and compliance is the most important thing to consider when choosing an SMS service. CCAI guarantees every campaign sent through us is compliant with any rules and regulations set in place in the United States. 

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What Rules and Regulations are in Place?

Besides all of the rules put in place by mobile carriers, there are also regulations set up by The Wireless Association.

The CTIA – The Wireless Association — oversees all SMS messaging in the United States. Strict standards govern messaging in the United States, and it’s critical to work closely with your sales adviser to ensure that your program is always compatible with the latest legislation.

The Federal Communications Commission (FCC) prohibits sending SMS messages to a mobile phone using an auto-dialer unless the user has given their approval or the message is being sent for an emergency. All numbers, including those not on the Do Not Call list, are subject to the ban.

Short codes are perfect for marketing messages, bulk texting, and communications with URLs. Once your application is approved, you will receive the regulations for US short codes. The CTIA Short Code Monitoring Handbook is also available to view. Person-to-person communication, such as appointment reminders, notifications, and announcements, is generally sent via long numbers. That means you can use it to communicate with customers, staff, and others who are interested in your company. Only lengthy numbers are subject to the constraints listed below.


Restriction Description
DND exists No
Time restrictions No
International vs local split No
Local traffic N/A
International traffic N/A
General content restrictions
  • Harmful content is not allowed
  • URLs have a high probability of being blocked
  • Recipients need to consent to receive marketing communication in writing (i.e. email or other) before you start sending marketing messages to them
  • The symbol for Euro (€) is not supported
Content registration required No
Opt-out instructions required


  • Each marketing SMS must contain an opt-out option
  • Two-way numbers are mandatory to ensure that people can unsubscribe
Sender ID regulations
  • All messages must either be sent and delivered with a US short code or long code
  • Message volumes for each long number are limited to 5,000 per day. Exceeding this limit could result in your number being blocked
Sender ID documentation required N/A
Country supports MNP Yes


Why Use Cloud Contact AI?

SMS for debt collection open rates

High Open Rates

Up to 98% open rates and 45% response rates. Some of the highest when compared to other services

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We offer Competitive rates of $.03 per SMS message

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Expert Strategists at your fingertips

CCAI’s experts work diligently to ensure your campaigns are always compliant.

Proven Track Record

Cloud Contact AI has a long list of satisfied customers across multiple industries. Check out our home page to learn more. 

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Cutting Edge Strategy

CCAI’s marketing experts are always researching the latest trends to improve our product and increase its efficiency. 

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Hassle-Free Compliant SMS Services

Our team works overtime to always stay up to date with the latest rules and regulations regarding SMS so that you don’t have to. 

Features built for engagement

Solve problems and provide answers for your clients in a matter of seconds using CCAI’s intuitive user-centric features.

Sub accounts SMS

2-way real-time messaging

Two-way messaging makes it easy to engage back and forth with staff, bankers, and more.

Scheduled Messages

Scheduled messages

Stay ahead of your schedule by programming messages in advance.

Sub accounts SMS

Multi-user access

Invite bankers to join and assign them only to their specific clients.



Let your customers text you with a keyword of your choice to make opting in quick and easy.

Let’s Get Started

Leave the hassle of compliance to our experts. 

“CCAI was very easy to roll out to our company. It requires zero knowledge of coding and has an intuitive user-friendly interface. We are able to send text campaigns about payment reminders, game reminders, and more. The response rates we’ve received while using CCAI have far exceeded our expectations.”

Bryan Burns, Let’s Play Soccer

Compliant SMS Marketing Without the Hassle

1. Create an Account

Create an Account

2. Choose a number

Choose a Number

3. Upload Contacts

Upload Contacts

4. Reach debtors

Reach Customers