Forbidden message categories for toll-free SMS

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
  • Cannabis
  • Attempts to trick users to reveal personal info or website logins


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