These quick reference cards provide instant access to critical compliance information for daily SMS marketing operations. Print or bookmark these sections for immediate reference.
| Category | Examples | No Exceptions |
|---|---|---|
| Cannabis/CBD | Dispensaries, CBD oil, hemp products | ❌ Federal prohibition |
| Payday Loans | Cash advance, short-term lending | ❌ Predatory lending |
| Firearms | Guns, ammunition, weapons | ❌ S.H.A.F.T. violation |
| Gambling | Casinos, betting, lottery | ❌ Gambling regulations |
| Prescription Drugs | Rx medications, pharmacy promotions | ❌ Medical licensing required |
| Get Rich Quick | Work from home schemes, pyramid schemes | ❌ Fraudulent practices |
| Third-Party Leads | Affiliate marketing, data brokers | ❌ Consent violations |
| Word/Phrase | Risk Level | Alternative |
|---|---|---|
| Free money | 🔴 Critical | "Earn rewards" |
| Act now | 🔴 Critical | "Get started" |
| Guaranteed | 🔴 Critical | "Confident" |
| You've won | 🔴 Critical | "You've earned" |
| Urgent | 🔴 Critical | "Important" |
| Cash advance | 🔴 Critical | "Payment options" |
| Win big | 🔴 Critical | "Earn rewards" |
| Check | Requirement | Status |
|---|---|---|
| Business Category | Verify category is allowed | ☐ |
| Prohibited Words | Scan content for trigger words | ☐ |
| Sender ID | Business name clearly stated | ☐ |
| Opt-Out Instructions | "Reply STOP to opt out" included | ☐ |
| Consent Verification | All recipients have valid consent | ☐ |
| Time Zone Check | Sending between 8 AM - 9 PM recipient time | ☐ |
| Character Count | Message under 160 characters (SMS) | ☐ |
| Legal Review | High-risk content reviewed by legal | ☐ |
| Element | Best Practice | Check |
|---|---|---|
| Tone | Professional, not aggressive | ☐ |
| Claims | Truthful and substantiated | ☐ |
| Urgency | Genuine, not artificial pressure | ☐ |
| Personalization | Relevant to recipient | ☐ |
| Call to Action | Clear and honest | ☐ |
| Contact Info | Customer service available | ☐ |
| Risk Level | Indicators | Action Required |
|---|---|---|
| 🟢 Low (1-3) | • Allowed category<br>• No trigger words<br>• Double opt-in consent | Standard approval process |
| 🟡 Medium (4-6) | • Some medium-risk words<br>• Express consent<br>• Minor compliance issues | Enhanced review required |
| 🟠 High (7-8) | • Multiple high-risk words<br>• Questionable consent<br>• Restricted category | Legal review recommended |
| 🔴 Critical (9-10) | • Prohibited category<br>• Critical trigger words<br>• No valid consent | DO NOT SEND |
| Factor | Weight | Your Score (1-10) | Weighted Score |
|---|---|---|---|
| Business Category | 40% | _____ | _____ × 0.4 = _____ |
| Content Words | 30% | _____ | _____ × 0.3 = _____ |
| Consent Quality | 20% | _____ | _____ × 0.2 = _____ |
| Sending Practices | 10% | _____ | _____ × 0.1 = _____ |
| Total Risk Score | _____ |
| Keyword | Response Time | Action | Follow-Up |
|---|---|---|---|
| STOP | Within 5 minutes | Remove from all lists | Send confirmation only |
| STOPALL | Within 5 minutes | Remove from organization | Send confirmation only |
| UNSUBSCRIBE | Within 5 minutes | Remove from current list | Send confirmation only |
| CANCEL | Within 5 minutes | Cancel subscription | Send confirmation only |
| END | Within 5 minutes | End messaging | Send confirmation only |
| QUIT | Within 5 minutes | Quit program | Send confirmation only |