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Regulation by state

MCA leads in Oklahoma.

Oklahoma has no commercial financing disclosure law, but its Telephone Solicitation Act caps commercial calls at three per 24 hours and gives the recipient a private right of action.

Checked 30 August 2026 · Not legal advice

Disclosure law
None
Registration
None
State calling act
Yes

The rules.

Disclosure law
None in force.
Registration
None specific to commercial financing.
Calling
The Oklahoma Telephone Solicitation Act requires prior written consent before contacting someone using an automated dialling system, and treats nearly any electronic dialling tool as one. It caps commercial solicitation calls at three in any 24-hour period and provides a private right of action.

What changes for a broker.

  1. Three calls per 24 hours is a hard operational ceiling, and it is lower than most MCA calling cadences are built around.
  2. The equipment definition is broad enough that the post-Duguid federal narrowing does not help you here. Assume your dialler is covered.
  3. A private right of action means the exposure is not regulatory patience — it is a plaintiff’s bar.
  4. Double-dialling a lead is a legitimate and effective habit almost everywhere. In Oklahoma it consumes two thirds of your daily allowance on one merchant.

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