FCC Draft Order Would Allow Fraud Alert Robocalls

The Federal Communications Commission ("FCC") has circulated a draft order revising its "revoke-all" rule under the Telephone Consumer Protection Act.

Banks, utilities, health care providers, and other callers could treat a request to stop one type of informational message as applying only to that type, leaving alerts such as fraud warnings unaffected. The FCC will vote on the draft order at its September 30, 2026, open meeting.

The agency adopted the "revoke-all" requirement in 2024. It has never taken effect. Staff waivers pushed the start date to Jan. 31, 2027. As written, it would treat a "STOP" reply as revoking consent for all robocalls and texts from that caller, including fraud alerts. The draft order would allow callers to designate a specific, exclusive method for consumers to revoke consent - such as an interactive voice or key-press opt-out mechanism; a text reply of "stop," "quit," "end," "revoke," "opt out," "cancel," or "unsubscribe"; or a designated website or phone number - provided the method is clearly and conspicuously disclosed.

Separately, the draft order would modify the "provided number" condition under the FCC's existing fraud alert exemption. The revised rule would allow financial institutions to place fraud alert calls to any wireless number obtained from a "reliable source." A reliable source would include a number supplied by a spouse or other family member authorized to be on the account, a number captured when the customer calls the institution, or a number in records obtained from another financial institution.