"Hi, I'm following up on the funding request you submitted this morning."
You did submit something. One form, on one "compare offers" page, at 6:40 a.m., because you wanted a single number to compare against your renewal. By noon, four different people have called about it. None of them are the company whose page you were on.
This is Part 19 of Stop the Calls. Part 10 covered the "you already gave consent" line (https://mcafax.com/notebook/stop-the-calls-part-10-consent-claim), and Part 18 gave your listings a number you control (https://mcafax.com/notebook/stop-the-calls-part-18-public-number). Today: how to get a quote without handing out a 3-month pass to call you. Every part: https://mcafax.com/notebook/series/stop-the-calls
General information, not legal advice.
What owners are seeing
A form asks for revenue, time in business, and a cell number. A small block of text sits under the Submit button. Then the calls start, often within the hour, and each caller says "your request" like it was addressed to them. That small text is often where the "consent" lives.
The window a form can open
FCC do-not-call rules carve out an "established business relationship." One way it forms: you make an inquiry or application about a company's products within the three months before the call. Inside that window, the company can make telephone solicitations to a residential number even if it would otherwise be off limits (47 CFR 64.1200(f)(5)).
Then comes the useful part. Your seller-specific do-not-call request ends that relationship for telemarketing, even if you keep doing business with them (64.1200(f)(5)(I)). The window closes when you say so, not when three months run out.
Separately, autodialed or prerecorded telemarketing calls to a cell need "prior express written consent." The rule says that agreement must clearly tell you that you are not required to sign it as a condition of buying anything (64.1200(f)(9)). And you can revoke consent by any reasonable method that clearly says stop (64.1200(a)(10)). Rule text: https://www.ecfr.gov/current/title-47/chapter-I/subchapter-B/part-64/subpart-L/section-64.1200
The tactic: quote first, close the window the same day
Step 1: read under the button before you type a number. Look for "marketing partners," "autodialed," "prerecorded or artificial voice," or a link to a partner list. Any of them means your number may go to more than one company.
Step 2: screenshot the page. Get the URL, the date, and the fine print in one image.
Step 3: use the form number, not your cell. Put the forwarding number from Part 18 in the phone field, so you can tell which form a call came from.
Step 4: get your quote, then send the stop that day. Email the company whose page it was:
"Thanks for the quote. Please put [number] on your internal do-not-call list, effective today. Any consent to calls or texts given on your form on [date] is revoked. This request also covers anyone calling on your behalf. Please do not share my information further."
Step 5: log it. Add columns to your call log (https://mcafax.com/notebook/toolkit/call-log-template): form site, date submitted, date stop sent, and the date 10 business days later.
Every caller who says "your request" also gets the Part 1 script and the question "What site did my request come from?" Write the answer down.
Where this stops
These rules are written for residential lines and extended to wireless numbers (64.1200(e)). A dedicated office landline gets less protection. The National Do Not Call Registry covers personal numbers only, not business lines: https://consumer.ftc.gov/articles/national-do-not-call-registry-faqs. The TCPA itself is 47 U.S.C. 227: https://www.law.cornell.edu/uscode/text/47/227
If a caller or texter names a specific way to opt out of robocalls or robotexts, use it and log it. FCC 26-67 lets them designate one, starting 30 days after Federal Register publication: https://docs.fcc.gov/public/attachments/FCC-26-67A1.pdf
None of this promises an outcome, and a licensed attorney can tell you how these rules fit your line. Report unwanted calls at https://www.donotcall.gov/report.html, or at https://reportfraud.ftc.gov if money was lost. More: https://mcafax.com/notebook/series/know-your-rights and https://mcafax.com/notebook/stop-mca-broker-calls
Your checklist
- Read the text under Submit before you type a phone number.
- Screenshot it with the URL and date.
- Use your forwarding number in the phone field.
- Send the stop email the day you get your quote.
- Log the form, the stop date, and day 10.
Coming in Part 20: the renewal call from your own funder, and how to tell it from the brokers using its name.