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CollectionsYour opt-out rules change on Nov 25, 2026. Here's what the FCC adopted, what still applies until then, and what to fix in your call and text programs first.
The FCC's order adopted Sep 30, 2026 (FCC 26-67) lets callers treat an opt-out from 1 type of informational call or text as covering only that type, and lets them name exclusive ways to revoke consent. It was published in the Federal Register on Oct 26, 2026 (91 FR 67214) and takes effect Nov 25, 2026. Until then, the 2024 rules apply.
Where the rule stands
General information, current as of Nov 2, 2026. It isn't legal advice. Rules change and differ by state, so check the sources linked here and talk to your own counsel before you act on it.
TSI (Transworld Systems Inc.) publishes it. TSI provides Accounts Receivable Management (ARM), Healthcare Revenue Cycle Management (RCM), CXBPO and Loan Servicing (via UAS). DebtNext, a TSI company, makes recovery management software for creditors. Some options this page describes compete with services TSI sells. Each figure names its publisher and date so you can check it yourself.
The FCC's 2024 TCPA Consent Order (39 FCC Rcd 1988, released Feb 16, 2024) set the current revocation rules in 47 CFR 64.1200(a)(10)-(12). They took effect Apr 11, 2025 (89 FR 82518).
One part is on hold. The requirement to treat an opt-out from 1 type of informational message as covering "all future robocalls and robotexts from that caller on unrelated matters" is waived until Jan 31, 2027 (FCC Consumer and Governmental Affairs Bureau, DA 26-12, Jan 6, 2026).
| Topic | Until the order takes effect | Under the order |
|---|---|---|
| Opt-out from an informational call or text | Revoke-all requirement waived until Jan 31, 2027 | Callers may treat it as covering only "the specific category of informational robocalls and text messages to which the revocation was directed" (64.1200(a)(10) as amended) |
| Opt-out from telemarketing | Consent is "definitively revoked" (64.1200(a)(10)) | Revokes consent to all future calls or texts from that caller that contain an advertisement or are telemarketing |
| How consumers can revoke | Any reasonable method; no exclusive means | Callers may designate an exclusive means: an automated opt-out on a call, the standard stop words by text, or a designated website or phone number, disclosed "clearly and conspicuously" on the call or in the text. A text can name only 1 stop word, but every stop word still works |
| Callers that don't designate a method | Any reasonable method | Must still "process revocation requests made by any reasonable means" (64.1200(a)(11) as amended) |
| Time to honor an opt-out | Up to 10 business days | Up to 10 business days; the further notice asks whether to shorten it |
| Confirmation text | Allowed; presumed within consent if sent within 5 minutes | Allowed if it only confirms the request and carries no marketing; presumed within consent if sent within 5 minutes |
| Bank fraud alerts | Only to the wireless number the customer provided | Also to a number "obtained from a reliable source," such as a spouse or family member authorized on the account, a call from the customer, or another financial institution's records |
The order treats an "informational robocall" as one that "does not contain an advertisement or constitute telemarketing," so most collection calls and texts fall in that category (FCC 26-67, note 31).
Collectors get no special route. The FCC declined a request to let callers regulated by another agency, including debt collectors under written-notice rules, designate that agency's revocation method as their exclusive means. The record, it said, didn't show those methods protect consumers enough (FCC 26-67, paragraph 18).
The adopted order also refused a request to delay the effective date by up to 12 months (paragraph 24).
The order came with a Further Notice of Proposed Rulemaking. It asks about:
Comments are due Nov 25, 2026, and replies Dec 28, 2026 (91 FR 67239).
The order replaces the revoke-all requirement that's waived until Jan 31, 2027.
Sort every automated call and text program into informational and telemarketing. Callers may treat an opt-out as covering only its category, if they choose to.
Decide whether to designate an exclusive revocation method. If you do, add the disclosure to every call script and text template before relying on it.
Keep processing "stop" replies and other reasonable requests for any program without a designated method.
Route TCPA opt-outs and Regulation F requests together. A request to stop using a medium (12 CFR 1006.14(h)) and an electronic opt-out (1006.6(e)) should reach every system that can call or text.
Keep honoring opt-outs within 10 business days, and follow the further notice in case the window shortens.
Keep dated records of consent, the disclosure shown and each revocation.
Regulation F's call-frequency rules still apply on top of the TCPA. Our Reg F call limits brief covers them.
Before Nov 25, 2026, check each row of the table above against your call and text scripts, your texting platform's opt-out handling and your agencies' written procedures. Then watch the further notice, which asks whether to shorten the 10 business days.
The Recovery Performance Diagnostic looks at one portfolio, stage or segment, including complaint and risk analysis across your channels, and designs a measured carve-out.
