10/22/2025

ABA urges FCC to modernize calling rules, strengthen fraud protections

ABA Banking Journal

The American Bankers Association this week sent a letter urging the Federal Communications Commission to issue a notice of proposed rulemaking that would adopt several ABA requests to modernize the FCC’s Telephone Consumer Protection Act rules and combat illegal call spoofing. The FCC is scheduled to vote Oct. 28 on whether to issue the notice.

The TCPA is a 1991 law that regulates telemarketing and informational calls using automated processes. The draft rulemaking under consideration contains changes to the FCC’s TCPA rules that ABA has urged the commission to make. They are:

• The FCC proposes to delete the “revoke all” rule. Under the TCPA, with limited exceptions, a bank or other business can place an autodialed or prerecorded voice call or text message only with the prior express consent of the called party. A called party has the right to revoke consent to receive these calls. In a 2024 order, the FCC required a business to treat a consumer’s revocation of consent to receive one type of call or message as a revocation of all consented-to calls and messages (the “revoke all” rule). Since the Trump Administration took office, ABA has led a joint industry effort to urge the FCC to rescind the revoke-all rule. The draft notice of proposed rulemaking would do that.