The following messaging use cases are not allowed on SMS over toll-free phone numbers:
| Category |
Examples |
| High-risk financial services |
- Payday loans
- Short term high-interest loans
- Auto loans
- Mortgage loans
- Student loans
- Debt collection
|
| Debt forgiveness |
- Debt consolidation
- Debt reduction
- Credit repair programs
|
| “Get rich quick” schemes |
- Work from home programs
- Risk investment opportunities
- Pyramid schemes
|
| Illegal substances |
|
| Phishing |
- Attempts to trick users to reveal personal info or website logins
|
| Marketing or promotional messaging |
- Advertisements, sales notices or promotions
|