TCR Text Campaign Error 712 - Direct Lending Arrangement Misconfiguration

What it means:

This error is triggered when a text campaign is related to a Direct Lending Arrangement but has not been configured correctly in the campaign settings. If your business deals with direct loan lending, the relevant checkbox in your settings must be selected to ensure compliance.

Example Scenario:

If your campaign promotes loan services and you haven't checked the Direct Lending Arrangement box or clarified the nature of your business, the campaign will be flagged and rejected by the carrier with Error 712.

Other Prohibited Content Includes:

Social marketing
Collections
Financial services (e.g., high-risk/subprime lending, credit cards, auto loans, etc.)
Insurance
Gambling, casinos, and bingo
Gift cards and sweepstakes
Illicit substances, including cannabis
Deceptive marketing
SHAFT content (Sex, Hate, Alcohol, Firearms, Tobacco)

Why it matters:

TCR guidelines are strict about correctly identifying businesses involved in lending arrangements. Misconfiguring these settings can lead to message blocking or rejection, impacting your ability to communicate with customers.

How to fix it:

Review your campaign settings: Ensure the Direct Lending Arrangement checkbox is selected.
Clarify your messaging: Ensure your sample messages and website URL clearly reflect your involvement in direct loan lending.
Contact Support: If you're unsure about your settings, reach out to [email protected], and we’ll assist you in updating your campaign configuration.

For further assistance, please contact Vumber support at [email protected].