CAMPAIGNPASS/ERRORS/30895
TWILIO / TCR ERROR 30895Brand & DescriptionRe-vetting penalty: $15.00+ per failed resubmission cycle

Campaign vetting rejection — Direct Lending or Loan Arrangement Error

Error 30895 occurs when a business in lending, mortgages, auto financing, or financial services fails to enable the Direct Lending / Loan Arrangement attribute on the campaign, or attempts prohibited third-party loan marketing (Error 30942).

Why DCA Reviewers Trigger Error 30895

  • Website offers mortgages, financing, or business loans, but Direct Lending attribute was marked 'No'.
  • Campaign promotes cold loan marketing or third-party loan brokering (prohibited under Error 30942).

Side-by-Side Technical Comparison

FAILRejected Undisclosed Lending Campaign (Triggers 30895 / 30942)
DirectLending: false
Website: "Apex Home Mortgage — Apply for a 30-Year Fixed Loan"
PASSCompliant Direct-Lender Servicing Filing (Passes 30895)
DirectLending: true
Description: "Apex Home Mortgage sends application status updates and document reminders to existing loan applicants who opted in at https://apexhomemortgage.com/apply. No third-party loan marketing."

Other Common A2P 10DLC Rejection Codes

Error 30925Pre-checked or missing checkboxError 30924Missing CTIA disclosure languageError 30931Mandatory SMS consent required to continueError 30913Bundled marketing + transactional consentError 30909Incomplete message_flow descriptionError 30917Undocumented secondary opt-in pathError 30921Opt-in form locked behind login wallError 30923SMS consent forced as condition of serviceError 30932Privacy policy allows third-party sharingError 30908Non-compliant or unlinked Privacy PolicyError 30882Missing SMS Terms or third-party lead genError 30933Missing PrivacyPolicyUrl API parameterError 30934Missing TermsAndConditionsUrl parameterError 30922Unverifiable website or missing policy linksError 30892bit.ly or TinyURL in sample messagesError 30893Samples missing brand name, brackets, or STOPError 30890HELP message missing brand or support contactError 30887STOP auto-reply or keywords non-compliantError 30907Website brand does not match registrationError 30919Thin landing page or bare lead formError 30886Campaign description too vagueError 30894Description omits registered brandError 30881Free Gmail/Yahoo support email on BrandError 30910Non-English filing without translationError 30498Toll-Free opt-in proof contradicts descriptionError 30508Toll-Free pre-checked consent boxError 30513Toll-Free form doesn't explicitly say SMSError 30556SMS bundled with Email or Voice call consentError 30563Terms page missing carrier liability clauseError 30880Generic DCA rejection (check opt-in & policy)Error 30883Prohibited Sex, Hate, Alcohol, Firearms, Tobacco/CBDError 30884Phishing-style links or deceptive sender copyError 30885Lead selling, debt collection, or payday loansError 30888Missing 21+ DOB age gate on age-restricted siteError 30889has_embedded_phone flag mismatches samplesError 30891Broken, unreachable, or wrong opt-in URLError 30896Opt-in workflow missing or non-compliantError 30897Gambling, crypto, debt collection, or third-party lead genError 30911Identical text pasted into Description, Flow & SamplesError 30916Third-party lead gen vs. first-party nurturingError 30918Missing DBA disclosure when legal name differsError 30920Standalone funnel form with no website contentError 30926Multi-tenant / agency umbrella campaign prohibitedError 30936HELP reply missing phone/email/URL or brandError 30940Cannabis / CBD / Hemp / Kratom prohibitedError 30963March 2026 code for bit.ly / tinyurl shortenersError 30964Insecure http:// link instead of https://Error 30971Gmail/Yahoo/Outlook email rejected for BrandError 30553Mandatory SMS checkbox on 2FA / login flowError FCC-AI-TCPAMissing AI / prerecorded voice call disclosure