Case Study
Business Capital Texas Registration
1-page Case Study | Real-world results | Learn how Business Capital mitigated legal risk while expanding into high-stakes markets
What You’ll Learn
Business Capital needed compliant outreach to navigate strict Texas Chapter 302 telemarketing laws.
- Registration: Expert consulting fulfilled financial security rules.
- TCPA Guardrails: List scrubbing lowered legal risk and fines.
- 10DLC & SMS: Compliant mobile outreach with strict opt-outs.
- Results: Audit-ready 5-year records and clear calling windows.
The Case Study
Industry: Financial Services
Client: Business Capital is a direct lender with over $5 billion funded offering small businesses a simple online application and same day decisions.
Help Business Capital mitigate legal risk by providing expert consulting on Texas telemarketing registration, penalties, and compliance.
The Client
Business Capital is a leading provider of commercial finance, specializing in working capital and asset-based lending. Their outreach efforts involve connecting with businesses to provide essential funding, but expanding into the Texas market required a specialized understanding of strict state-specific telemarketing laws.
The Challenges
Business Capital enlisted AnswerNet after identifying significant risks associated with the Texas Business & Commerce Code Chapter 302. Without proper guidance, the client faced:
Registration Barriers: Identifying if the business and individual callers required formal state registration and a $10,000 security bond.
Aggressive Penalties: Risk of private lawsuits reaching $500 per violation and federal TCPA fines of up to $1,500 per call.
Data Complexity: The need to scrub lists against the National DNC registry every 31 days and the Texas No-Call list at least quarterly.
Disclosure Gaps: Ensuring scripts meet mandatory start-of-call disclosures, including caller identity and purpose.
The Solution
Together with the client, AnswerNet developed a comprehensive compliance
framework and established step-by-step regulatory processes. We continue to provide consulting and audit support for these critical outreach operations.
Scrubbing & Safe Harbor: The AnswerNet team implemented protocols to scrub call lists against state and federal registries, maintaining records for at least five years to support a Safe Harbor defense.
Establish Compliance Program: We worked with Business Capital to create a comprehensive compliance program which includes disclosure requirements, appropriate calling times, consent management, and prohibited practices in alignment with the TCPA and TSR.
TCPA Guardrails: We established rocedures for obtaining express written consent for autodialed calls and verified that caller IDs remained non-spoofed.
SMS Policy & Best Practices: We developed comprehensive SMS compliance policies and established step-by-step processes for 10DLC registration, scrubbing, and opt-out management to ensure all mobile outreach maintains proper consent and rigorous recordkeeping.
The Result
Through AnswerNet’s consulting, Business Capital successfully minimized its exposure to Texas’s mini-TCPA risks. They were able to reduce risk by establishing a documented safe harbor defense and implementing formal training and written procedures. They also created operational clarity by defining specific calling windows (8 a.m. – 9 p.m.) to remain within state-mandated quiet hours.
By partnering with AnswerNet, Business Capital can now focus on capital lending, knowing their outreach is monitored for ongoing regulatory changes.
By partnering with AnswerNet, Business Capital can now focus on capital lending, knowing their outreach is monitored for ongoing regulatory changes.
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