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TCPA and MCA leads: what brokers actually need to ask

Quick answer

Business-to-business calling is not exempt from the TCPA. Calls and texts to wireless numbers face the same restrictions whoever answers, and statutory damages run $500 to $1,500 per call. What protects you is documented consent you can produce on demand — which means the questions to ask a lead vendor are about record-keeping, not reassurance.

Updated 2026-08-30·6 min read

Almost every "how to vet a lead vendor" checklist mentions compliance and then moves on. It is worth more than a line, because it is the one area where a bad vendor creates a liability that lands on you rather than on them. Your reps make the calls. Your company is the one being sued.

Does the TCPA even apply to B2B calls?

Yes, and this is the single most common misconception in this market. B2B calling is not categorically exempt. Calls and texts to wireless numbers are subject to the same restrictions regardless of who picks up, and a small business owner’s mobile is a wireless number.

What is different for B2B is narrower than people assume. The National Do Not Call Registry does not apply to genuine business-to-business calls. That is one carve-out, and it does not extend to the TCPA’s rules on automated dialling, prerecorded messages, or state law.

Applies to B2B calls?
TCPA restrictions on calls to wireless numbersYes
Prior express written consent for autodialed or prerecorded callsYes
National Do Not Call RegistryGenerally no, for true B2B
State mini-TCPA lawsOften yes — several have no B2B exemption
State DNC registriesVaries by state
CAN-SPAM, for the follow-up emailYes

Treating B2B as a blanket exemption is the assumption that gets shops into trouble. It is not one exemption; it is one narrow carve-out inside a set of rules that otherwise still apply.

What does it cost to get this wrong?

Statutory damages under the TCPA run $500 per violation, trebled to $1,500 for willful or knowing violations. The unit is the call, not the lawsuit.

How statutory damages accumulate
One call, standard damages$500
One call, willful or knowing$1,500
50 calls to one bad record, trebled$75,000

A single record dialled repeatedly by a persistent rep is how a small mistake becomes a large number. This is also why professional litigators exist as a category — the maths rewards them.

Statutory figures under 47 U.S.C. § 227. Not a prediction of any particular outcome.

Worth knowing because a lot of guidance still online describes a rule that no longer exists.

The FCC adopted a rule in December 2023 that would have required a consumer to give prior express written consent to one identified seller at a time — ending the practice of a single form granting consent to a long list of partners. On 24 January 2025, one business day before it was due to take effect, the Eleventh Circuit vacated it, holding the FCC had exceeded its statutory authority. The FCC subsequently repealed it.

What should a lead vendor be able to produce?

This is the practical core. A vendor cannot make you compliant, but a vendor with real records makes your position defensible and a vendor without them leaves you holding it alone.

  • The consent language itself. The exact wording the merchant agreed to, not a description of it.
  • A screenshot or copy of the form as it appeared to the merchant, including where the consent sat relative to the submit button.
  • The timestamp, IP address and user agent captured at submission.
  • The URL the merchant was on when they consented.
  • Which parties the consent named, and how.
  • How long they retain all of the above. Records that expire before a claim does are records you cannot use.

A vendor who can produce that set for any record on request is in a materially different position from one who says "all our leads are TCPA compliant." The second sentence is not a record of anything.

What is litigator scrubbing, and does it matter?

A small number of people file TCPA claims professionally. They are identifiable, lists of them exist, and screening against those lists before you dial removes a disproportionate share of your risk for very little effort.

Ask whether the vendor scrubs, or whether you are expected to. Either answer can be fine — what matters is that somebody does it and that you know which of you it is. "We assume you handle that" discovered after a claim is the bad version.

What about state laws?

This is where B2B assumptions break hardest. Several states run their own mini-TCPA statutes, and some carry no B2B exemption at all or define it differently from the federal rules.

  • Florida’s statute restricts automated dialling without prior express written consent and caps calls to a given number at three in a 24-hour period, regardless of which number you dial from.
  • Several states operate their own do-not-call registries with their own coverage rules.
  • Some state statutes create a private right of action, which is what makes them commercially significant rather than merely regulatory.

If you dial nationally, you are subject to the strictest rule that applies to any merchant you call. Ask a vendor whether they can filter your feed by state, because that is the practical lever if your counsel advises avoiding a jurisdiction.

A short checklist to take to a vendor call

  • Show me the exact consent language a merchant agrees to.
  • Can you produce the timestamp, IP and URL for any record I ask about?
  • How long do you keep consent records?
  • Do you scrub against known-litigator lists, or is that on me?
  • Can you filter my feed by state?
  • Who generated this traffic — you, or somebody you buy from?

That last question quietly answers several of the others. A vendor reselling somebody else’s inventory cannot show you a form they did not build or a timestamp they did not capture.

Questions brokers ask

Yes. Business-to-business calling is not categorically exempt — calls and texts to wireless numbers face the same restrictions regardless of who answers, and a small business owner’s mobile is a wireless number. The narrow carve-out is that the National Do Not Call Registry generally does not apply to genuine B2B calls. That does not extend to automated dialling rules, prerecorded messages, or state law.

$500 per violation under the statute, trebled to $1,500 for willful or knowing violations. The unit is the call rather than the lawsuit, which is why a single mishandled record dialled repeatedly becomes a large number quickly.

No. The Eleventh Circuit vacated the FCC’s one-to-one consent rule on 24 January 2025, one business day before it was to take effect, and the FCC subsequently repealed it. The earlier standard applies, under which consent can cover multiple sellers if the disclosure is clear. A great deal of guidance still online describes the vacated rule as live.

The exact consent language, a copy of the form as the merchant saw it, the submission timestamp, IP address and user agent, the URL they were on, which parties the consent named, and a retention period long enough to outlast a claim. A vendor who can produce that set on request puts you in a defensible position; one who only says their leads are compliant has given you nothing.

Screening phone numbers against lists of known TCPA plaintiffs before dialling. A small number of people file these claims professionally, they are identifiable, and scrubbing removes a disproportionate share of risk cheaply. Ask whether your vendor scrubs or expects you to — either is workable as long as somebody does it and you know which.

Yes, and this is where B2B assumptions break hardest. Several states run mini-TCPA statutes, some with no B2B exemption. Florida restricts automated dialling without prior express written consent and caps calls to a number at three in 24 hours. If you dial nationally you are subject to the strictest rule that applies to any merchant you call, so ask whether a vendor can filter your feed by state.

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