Business Guide

10DLC Registration Guide: How to Register for Business Texting

Hayee K., Founder & CEO, Surplus Funds List
Founder & CEO, Surplus Funds List
Key Takeaway

Complete 10DLC registration guide for 2026. Learn how to register your brand and campaign, write compliant SMS messages, set up your website contact form, privacy policy, and terms of service.

Heads up: Surplus Funds List is a technology platform, not a law firm. Deadlines, claim procedures, required documents, and statutes change. The county office that handled the sale is the authoritative source for current procedures. For legal questions about your specific situation, consult a licensed attorney in the relevant state.

If your business sends text messages to clients or leads using a standard 10-digit phone number, you are required to register through the 10DLC (10-Digit Long Code) system. This is not optional. US carriers including AT&T, T-Mobile, and Verizon now mandate that all business-to-consumer (A2P) SMS traffic be registered through The Campaign Registry (TCR). Unregistered messages are subject to filtering, blocking, and significantly higher per-message carrier fees.

This guide walks you through every step of the 10DLC registration process, including what information you need, how to write compliant sample messages, what your website must include, and how to avoid common rejection reasons.

What Is 10DLC and Why Does It Matter

10DLC stands for 10-Digit Long Code. It is the industry standard for Application-to-Person (A2P) messaging in the United States. Before 10DLC, businesses could send SMS from any standard phone number without verification. Carriers introduced 10DLC to reduce spam, verify sender identity, and protect consumers.

For surplus funds recovery businesses, real estate professionals, and any company that contacts property owners via text, 10DLC registration is a requirement. Without it, your messages may never reach your recipients, and your phone number could be flagged or blocked entirely.

The 10DLC Registration Process: Three Steps

Registration happens in three stages. Each must be completed before moving to the next.

Step 1: Brand Registration. This verifies your business identity. You are telling the carriers who you are. TCR checks your business information against public records to confirm legitimacy.

Step 2: Campaign Registration. This describes what you are sending and how you manage consent. You are telling the carriers what types of messages your recipients will receive and how they opted in.

Step 3: Carrier Approval. Carriers (AT&T, T-Mobile, Verizon) review your campaign and either approve or reject it. Your messaging provider submits this on your behalf.

Brand Registration: What You Need

For businesses with an EIN (most LLCs, corporations, and partnerships), you will need the following:

  • Legal company name - must match your IRS EIN confirmation letter (CP 575) exactly
  • EIN (Employer Identification Number) - must be an exact match with IRS records
  • Business address - street, city, state, and zip code
  • Business phone number
  • Business email - must be a company domain email, not Gmail, Yahoo, or other free providers
  • Company website URL
  • Business type - LLC, Corporation, Partnership, Sole Proprietorship, etc.
  • Industry/vertical - Real Estate, Financial Services, etc.

Important: Newly issued EINs can take 30 to 90 days to propagate across carrier validation systems. If your brand registration is rejected due to a tax ID mismatch and your EIN was recently issued, wait a few weeks and resubmit.

Sole proprietors without an EIN can still register, but the process requires your personal name, phone number, email, and physical address. Sole proprietor brands have lower messaging throughput limits.

Campaign Registration: What You Need

Once your brand is approved, you register your messaging campaign. This tells carriers exactly what messages your recipients will receive and how they consented. You will need:

  • Campaign description (40 to 4,096 characters) - Must explain who is sending, who the recipients are, and why messages are being sent. Single-word descriptions like “Marketing” will be rejected.
  • Use case type - Marketing, Customer Care, Mixed, etc.
  • At least 2 sample messages - Real examples of messages you will send. Must include your business name and comply with formatting rules.
  • Opt-in description (40 to 2,049 characters) - Exactly how end users consent to receive messages. Must describe the specific mechanism (checkbox on website, verbal confirmation, keyword opt-in).
  • Website URL with compliant privacy policy and terms of service

Sample SMS Messages

Your sample messages must reflect what you will actually send. They must include your business name and use brackets for personalized fields. Below are examples for reference only. Do not copy these directly. Write your own messages based on your actual business and use case:

Opt-In Confirmation

“[Your Company Name]: You have been enrolled in text updates about your surplus funds claim. Msg & data rates may apply. Msg frequency varies. Reply HELP for help, STOP to cancel.”

Claim Status Update

“Hi [First Name], this is [Your Company Name]. We have an update on your surplus funds claim for [Property Address]. Please call us at [Phone] to discuss next steps. Reply STOP to unsubscribe.”

Initial Outreach

“Hi [First Name], [Your Company Name] here. Our records show you may have unclaimed surplus funds from a property sale. We would like to help you recover them. Call us at [Phone] for a free consultation. Reply STOP to opt out.”

Appointment Reminder

“Reminder: You have a scheduled call with [Your Company Name] tomorrow at [Time]. If you need to reschedule, reply to this message or call [Phone]. Reply STOP to opt out of texts.”

Follow-Up

“Hi [First Name], [Your Company Name] checking in. We still have a potential surplus funds claim for you. Would you like to learn more? Call [Phone] or reply YES. Reply STOP to unsubscribe.”

Key rules for sample messages: Always include your business name. Use [brackets] for personalized fields. Include opt-out language (STOP). Do not use free URL shorteners like Bit.ly or TinyURL. If you need short links, use a branded domain.

Campaign Description Example

Your campaign description must clearly explain who sends, who receives, and why. Here is an example for reference. Write your own based on your actual business:

“This campaign sends SMS messages to property owners who may have unclaimed surplus funds from tax sales or foreclosure proceedings. Messages include claim status updates, appointment reminders, and informational outreach about the recovery process. Recipients have opted in through our website contact form by providing their phone number and checking a consent box agreeing to receive text messages.”

Website Requirements for 10DLC Approval

Your website is reviewed during campaign registration. Carriers check that your site is legitimate, matches the business you registered, and includes proper compliance pages. Your website must have three things:

  1. A contact form with an SMS consent checkbox
  2. A privacy policy that covers SMS data collection
  3. Terms and conditions (or Terms of Service) with SMS disclosures

Contact Form: SMS Consent Checkbox Requirements

Your contact form must include a checkbox for SMS consent. This checkbox has strict requirements:

  • The checkbox must not be pre-checked. The user must actively check it.
  • SMS consent must be a separate checkbox. It cannot be bundled with email consent or general terms acceptance.
  • The checkbox must be optional. The form must be submittable even if the user does not check it. SMS consent cannot be a condition of form submission.
  • The checkbox label must include required disclosures: message frequency, data rates, opt-out instructions, and links to your Terms of Service and Privacy Policy.

Example checkbox label text:

“By checking this box, you agree to receive text messages from [Your Company Name] at the phone number provided. Message frequency varies. Msg & data rates may apply. Consent is not a condition of purchase. Reply STOP to opt out. Reply HELP for help. View our Terms of Service and Privacy Policy. SMS consent information will not be shared with third parties.”

Contact Form Example

Your website contact form should look something like this. The SMS consent checkbox is unchecked by default and is not required to submit the form. Replace “[Your Company Name]” with your actual business name and link to your own Terms and Privacy pages.

John Smith
(555) 123-4567
Tell us about your situation...
Submit

Privacy Policy: What It Must Include for SMS

Your privacy policy must address how you handle phone numbers and SMS data. At minimum, it must include these elements:

  • How you collect contact data, including phone numbers
  • How you store, use, and protect personal information
  • An explicit statement that mobile information and phone numbers will not be shared with third parties or affiliates for marketing or promotional purposes
  • An explicit statement that personal information will not be shared without consent or unless legally required
  • Reference to your SMS messaging program and data practices

Example privacy policy SMS section:

SMS/Text Messaging

“When you provide your phone number and opt in to receive text messages, we may send you SMS messages related to your inquiry, claim status updates, appointment reminders, and other service-related communications. Message frequency varies. Message and data rates may apply. You can opt out at any time by replying STOP to any message. For help, reply HELP or contact us at [email/phone].

We do not sell, rent, or share your mobile phone number or any personal information collected through our SMS program with third parties or affiliates for marketing or promotional purposes. Your information is used solely to provide the services you have requested.”

Terms and Conditions: What They Must Include for SMS

Your Terms of Service (or Terms and Conditions) page must include an SMS-specific section. Here is what carriers and TCR reviewers look for:

  • Your program name or business name
  • Types of messages consumers can expect to receive
  • Message frequency (e.g., “Message frequency varies” or a specific number)
  • “Message and data rates may apply”
  • Opt-out instructions: “Reply STOP to unsubscribe”
  • Help instructions: “Reply HELP for assistance”
  • Link to your Privacy Policy
  • Statement that carriers are not liable for delayed or undelivered messages
  • Contact information (phone number or email for support)

Example Terms of Service SMS section:

SMS Terms of Service

“By opting in to [Your Company Name]’s SMS program, you consent to receive text messages related to your surplus funds inquiry, claim updates, appointment reminders, and service communications. Message frequency varies. Message and data rates may apply.

To opt out, reply STOP to any message. You will receive a one-time confirmation that you have been unsubscribed. For help, reply HELP or contact us at [email] or [phone].

Carriers (AT&T, T-Mobile, Verizon, etc.) are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your mobile carrier.

For complete details on how we handle your information, see our Privacy Policy.”

Common Rejection Reasons and How to Avoid Them

Campaigns are rejected more often than most businesses expect. Here are the most common reasons and what to do about each one:

  • Vague campaign description. “Marketing” or “We send texts to clients” is not enough. Describe who sends, who receives, and why.
  • Sample messages missing business name. Every sample must include your company name.
  • Weak opt-in description. “Users sign up on our website” is too vague. Describe the exact mechanism: “Users fill out the contact form at yoursite.com/contact and check a checkbox labeled...”
  • Using free URL shorteners. Bit.ly, TinyURL, and similar services are flagged. Use a branded domain or full URLs.
  • Free email address on brand registration. Gmail, Yahoo, and Outlook email addresses get flagged. Use your business domain.
  • EIN mismatch. Your legal name and EIN must match your IRS records exactly. Check your CP 575 letter.
  • Missing or non-compliant privacy policy. Your website must have a privacy policy that includes the “no sharing mobile info with third parties” language at the time of submission.
  • Pre-checked consent checkbox. The SMS consent checkbox must not be checked by default.
  • Missing opt-out language in sample messages. Every message must include “Reply STOP to unsubscribe” or similar language.

10DLC Registration Fees

Registration involves pass-through fees charged by The Campaign Registry (TCR) and carriers. These are not markup fees from your messaging provider.

  • Sole Proprietor Brand Registration: $4.50 (one-time)
  • Low-Volume Standard Brand Registration: $4.50 (one-time)
  • Standard Brand Registration: $46.00 (one-time, includes secondary vetting)
  • Campaign Registration: $15.00 one-time vetting fee. Monthly recurring fees vary by use case type.

Per-message carrier surcharges also apply separately from registration fees.

Timeline: How Long Does 10DLC Registration Take

Brand approval: Usually within minutes to a few hours. Automated TCR check against IRS records. Can take 1 to 3 business days if manual review is needed.

Campaign approval: Typically 2 to 7 business days. During high-volume periods, it can take 10 to 15 days.

End to end: Under one week in ideal conditions. Allow 2 to 3 weeks if corrections are needed or during busy periods.

Opt-In Description Example

When registering your campaign, you need to describe exactly how users consent. Here is an example for reference. Write your own based on your actual opt-in process:

“Users opt in to receive SMS messages by visiting our website at [yoursite.com/contact] and filling out the contact form. The form collects their name, email, phone number, and message. Below the phone number field, there is an unchecked checkbox with the following label: ‘By checking this box, you agree to receive text messages from [Your Company Name] at the phone number provided. Message frequency varies. Msg & data rates may apply. Reply STOP to opt out. Reply HELP for help. View our Terms of Service and Privacy Policy.’ The checkbox is not pre-checked and is not required to submit the form. Only users who actively check the box are enrolled in SMS messaging.”

Summary

10DLC registration is a one-time setup that protects your messaging reputation and ensures your texts actually reach your clients. The process requires accurate business information, compliant sample messages, a website with proper privacy and terms pages, and a contact form with an unchecked SMS consent checkbox. Prepare these items before you start and you will avoid the most common rejection reasons. Once approved, your business can send SMS at full volume with carrier trust.

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Frequently Asked Questions

What is 10DLC and why do I need it?

10DLC stands for 10-Digit Long Code. It is the US carrier-mandated registration system for businesses sending text messages to consumers. Without 10DLC registration, your SMS messages may be filtered, blocked, or charged higher per-message fees by carriers like AT&T, T-Mobile, and Verizon.

What information do I need for 10DLC brand registration?

You need your legal company name (matching your IRS records), EIN, business address, phone number, a company domain email (not Gmail or Yahoo), website URL, business type, and industry. Your legal name and EIN must match your IRS CP 575 confirmation letter exactly.

How long does 10DLC registration take?

Brand approval typically happens within minutes to a few hours. Campaign approval takes 2 to 7 business days, sometimes up to 10 to 15 days during busy periods. The full process usually completes within one to three weeks.

What does my website need for 10DLC compliance?

Your website must have a contact form with an unchecked SMS consent checkbox, a privacy policy that states you will not share mobile information with third parties, and terms of service with SMS-specific disclosures including opt-out instructions, message frequency, and data rates.

Why was my 10DLC campaign rejected?

Common rejection reasons include vague campaign descriptions, sample messages missing your business name, weak opt-in descriptions, using free URL shorteners like Bit.ly, using a Gmail or Yahoo email for brand registration, EIN mismatches, or a missing or non-compliant privacy policy.

Does the SMS consent checkbox need to be pre-checked?

No. The SMS consent checkbox must not be pre-checked. Users must actively check the box to opt in. The checkbox must also be optional, meaning the form can be submitted without checking it. Bundling SMS consent with other consents is not allowed.

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Disclaimer: This content is for informational purposes only and does not constitute legal, financial, or professional advice. Surplus Funds List is a technology provider and does not practice law or provide legal counsel. Data accuracy depends on the publishing county. For legal guidance regarding your specific situation, consult a licensed attorney in your state. Links to publicly available county records are provided as a convenience and do not imply endorsement or guarantee of accuracy.