"Hey, this is Mike with the funding department, just following up on your file."
It's call number 9 since you said stop. The first thing you need is proof of when you said stop, and a list of every call that came after it.
This is general information, not legal advice. Whether the TCPA covers your calls depends on the type of call, the line they called, and what you agreed to.
What the law actually covers
The Telephone Consumer Protection Act is 47 U.S.C. § 227. The FCC's rules under it are at 47 CFR § 64.1200. Here are the parts that matter for broker calls:
Prerecorded or AI-voice calls to your cell need your consent. Telemarketing robocalls need written consent (FCC guide).
Autodialed texts to a cell need consent too. But since the Supreme Court's 2021 Facebook v. Duguid decision, "autodialer" has a narrow meaning. A rep tapping send on a CRM might not count as one.
You can take back consent "in any reasonable manner." FCC rules give a caller up to 10 business days to honor that.
Do Not Call: the FTC says the National Registry is for personal numbers. Business lines aren't covered. A personal cell you also use for work is a gray area that courts split on.
The statute sets per-violation damages that only a court can award. It's not money anyone owes you just because they called.
The script: say stop so it counts
Say it on the call, then put it in writing the same day.
On the phone:
"This is [your name]. Do not call or text [number] again, for any reason. I'm revoking any consent I gave. Which company are you calling for?"
Write down what they say. Then send this from your own email:
"To [company name]: As of [date and time], I revoke any consent to call or text [number], including prerecorded, artificial-voice and autodialed calls. Add this number to your internal do-not-call list. Reply with your full legal business name."
Or use our cease-and-desist letter. Either way, the copy in your Sent folder is your timestamp.
The log: one row per contact
Start a sheet today with our call and text log template:
Date and time, to the minute.
Number shown on caller ID, plus any callback number they give you.
Live person, recording, or text? A recording is the strongest row you can have.
Company name, exactly as they said it.
Was it before or after your written stop? Screenshot it.
After 10 business days, every new row on that sheet is evidence.
What to do with the log
Report it. File with the FTC at ReportFraud.FTC.gov and the FCC's complaint center. The agencies don't get your money back for you, but they use the reports for enforcement.
Send a written stop request listing the dates, like our cease-and-desist letter. Some callers stop once they see a clean log.
Check them. Look up the caller at MCAFax.com/verify before you hand over a single bank statement.
Want to know why they had your number in the first place? Read why forty brokers have your cell. Next in Know Your Rights: state mini-TCPA laws that go further than the federal one.
