Text and email the right way, with consent you can prove.

Before Regulation F, collectors were uncertain whether texting and emailing were permissible under a 1977 statute written for phone calls and letters. Reg F resolved it: electronic communications are allowed, subject to rules. Every text or email must include a clear and conspicuous statement describing a reasonable and simple method for opting out of that channel, and opt-outs must be honored. Collectors must take reasonable steps to avoid communicating with third parties, which in practice means using addresses and numbers the consumer has used recently, obtained consent for, or received from the creditor with proper notice. Collectors may not send messages viewable by the public on social media and should avoid work email addresses.

The TCPA adds its own layer for texts to cell phones. Texts are calls under the TCPA, so they require prior express consent, which for collections typically means the consumer provided the number in connection with the debt. Consent can be revoked by any reasonable means. Together, Reg F and the TCPA mean a collector needs to know, for every number and email address, where it came from, whether consent exists, whether it has been revoked, and whether reasonable procedures support its use.

HL Hunt treats each contact point as a record with provenance. Consent and usage data are imported from your systems. Before any text or email, the platform verifies TCPA consent and a Reg F basis for electronic communication. Every message includes opt-out instructions. Replies are classified for opt-out, revocation, and other signals and applied instantly per channel. The documentation satisfies both the safe harbor procedures in Reg F and the consent requirements of the TCPA.