The Federal Communication Commission (FCC) has finalized its rule under the Telephone Consumer Protection Act (TCPA), addressing prior express consent requirements for sellers to send advertisements and telemarketing notices using an automatic telephone dialing system (ATDS) or artificial/prerecorded voice. Notably, the one-to-one requirement has been removed.

In 2023, the FCC issued a rule requiring one-to-one consent for lead generators, i.e. if a consumer signed up to be contacted by phone or text the consent had to be for one specific seller and the contact had to be “logically and topically” related to the interaction leading to the consent. This rule prohibited a disclosure with a hyperlink to a list of hundreds of network partners that might contact the consumer. As discussed here, in January 2025, right before the rule went into effect, the U.S. Court of Appeals for the Eleventh Circuit found that the FCC exceeded the scope of its authority because its rule contradicted the ordinary statutory meaning of the TCPA’s prior express consent language and vacated the rule.

In April 2025, the FCC stated it would not challenge the Eleventh Circuit’s ruling. The newly issued final rule defines prior express consent under 47 CFR § 64.1200(f) as:

(9) The term prior express written consent means an agreement, in writing, bearing the signature of the person called that clearly authorizes the seller to deliver or cause to be delivered to the person called advertisements or telemarketing messages using an automatic telephone dialing system or an artificial or prerecorded voice, and the telephone number to which the signatory authorizes such advertisements or telemarketing messages to be delivered.

(i) The written agreement shall include a clear and conspicuous disclosure informing the person signing that:

(A) By executing the agreement, such person authorizes the seller to deliver or cause to be delivered to the signatory telemarketing calls using an automatic telephone daily system or an artificial or prerecorded voice; and

(B) The person is not required to sign the agreement (directly or indirectly), or agree to enter into such an agreement as a condition of purchasing any property, goods, or services.

(ii) The term “signature” shall include an electronic or digital form of signature, to the extent that such form of signature is recognized as a valid signature under applicable federal law or state contract law.

With this final rule issued, plaintiffs’ attorneys will find it challenging to prevail on lawsuits alleging one-to-one consent is required.

Photo of Rachel Ommerman Rachel Ommerman

Rachel is an attorney in the firm’s Consumer Financial Services Practice Group, where she represents clients in consumer financial services law, collections disputes, and commercial litigation in both the federal and state courts. She also represents creditors in bankruptcy courts throughout the U.S.…

Rachel is an attorney in the firm’s Consumer Financial Services Practice Group, where she represents clients in consumer financial services law, collections disputes, and commercial litigation in both the federal and state courts. She also represents creditors in bankruptcy courts throughout the U.S., primarily Motions of Relief from Stay and Objections to Confirmation, as well as handling adversary proceedings.

Photo of Virginia Bell Flynn Virginia Bell Flynn

Virginia is a partner in the firm’s Consumer Financial Services practice and specifically within the Financial Services Litigation practice. She represents clients in federal and state court, both at the trial and appellate level in the areas of complex litigation and business disputes…

Virginia is a partner in the firm’s Consumer Financial Services practice and specifically within the Financial Services Litigation practice. She represents clients in federal and state court, both at the trial and appellate level in the areas of complex litigation and business disputes, health care litigation, including ERISA and out-of-network issues, and consumer litigation in over 21 states nationwide. As a result of new legal developments, she increasingly counsels clients to ensure they comply with the myriad of growing laws in the consumer law with a particular emphasis on the intersection of TCPA and HIPAA.