Glossary
What the words on a lead invoice actually mean
Vendor contracts and lead invoices run on a vocabulary nobody defines at the point of sale, and several of the words mean different things to the company writing them and the team paying. Each entry says what a term means on a lending desk and what it changes when you are the buyer.
- How does a consumer revoke consent to be called?How a consumer takes consent back, the ceiling the FCC puts on honouring it, why a reply to a text also stops the calls, and the one piece of the rule that is postponed.
- What hours can you call a lead?The window both the FTC and the FCC set, whose clock it runs on, and the thing neither rule says about how you are supposed to know where the person actually is.
- What is a firm offer of credit?The Fair Credit Reporting Act test that makes a prescreened solicitation lawful, the three conditions an offer may still carry, and the catch-all the statute does not give a lender.
- What is a lead aggregator?The intermediary that buys leads collected by other companies' websites and resells them, why the borrower never heard its name, and what changes when your vendor bought the lead instead of generating it.
- What is a mini-TCPA?State telemarketing statutes that sit alongside the federal rule, read in the published text of three of them, and the carve-outs that decide whether any of it reaches a record that came from a form.
- What is a permissible purpose under the FCRA?The closed list that decides when anyone may be handed a credit report, the two entries the lead trade leans on, and the separate duty the statute puts on whoever uses one.
- What is a prescreened offer?How a lender ends up holding a list of people who never contacted it, the little that list is allowed to carry, and the two ways a consumer gets off it.
- What is a trigger lead?The credit-inquiry alert that let strangers call a borrower who had just applied somewhere else, and what the 2026 ban left standing.
- What is a TrustedForm certificate?A record of the web session a consumer submitted a form in, what it evidences when a call is disputed, and the thing it is routinely mistaken for.
- What is A2P 10DLC?Why business texts go missing without an error, who actually sets that rule, and why meeting it has nothing to do with meeting the law. The term is not in the industry document it comes from.
- What is an abandoned call?The FTC test that decides when a dialer has left a consumer holding an empty line, the allowance a caller is given for it, and the denominator most dialer dashboards do not use.
- What is an established business relationship?A Do Not Call exemption with a clock on it, the two durations that clock runs for, and the calls it does not cover at all.
- What is an internal do not call list?The list a company has to keep for itself, separate from the federal registry, the six standards it has to meet before a first call goes out, and the period the FCC fixes where the FTC fixes none.
- What is caller ID authentication?What STIR/SHAKEN signs, which is the number and not the intent, whose obligation it is, and why a legitimate first call can still arrive on the handset under a warning.
- What is ping post?The real-time auction most of the lead market runs on, and why the mechanism decides how many lenders are dialling the same consumer.
- What is prior express written consent?The signed agreement the TCPA requires before an autodialed or prerecorded marketing call, what it has to name on its face, and why the liability sits with whoever dials.
- What is the difference between a seller and a telemarketer?Who the rule calls a seller, who it calls a telemarketer, why one company is usually both at once, and how the assisting provision reaches a third party who is neither.
- What is the Do Not Call safe harbor?The defence a company has after calling a registered number by mistake, which is a list of things that had to exist before the call, and the one interval the FTC and the FCC agree on.
- What is the National Do Not Call Registry?Why a purchased lead is often on it anyway, which exemption a lending team is actually relying on when it dials, and who answers for the call.
- What is the Reassigned Numbers Database?The consent was given by whoever held the number then. What the FCC database answers, the narrow defence that comes with checking it, and the four situations that defence does not reach.