What the FCC’s One-to-One Consent Rule Means for Small-Dollar Lenders

Big news for small-dollar lenders: The FCC’s One-to-One Consent Rule takes effect on January 27, 2025, requiring lenders to secure specific written consent from borrowers before contacting them through robocalls or texts. This rule puts a sharp focus on transparency and compliance, reshaping how lenders manage customer communications and lead generation.

What is the One-to-One Consent Rule?

The rule ensures that each borrower gives clear, written consent for communication from a specific lender—no more relying on bulk or catch-all agreements. If you’re working with lead generation services, this means borrowers must approve communication from your business directly.

Why Does It Matter?

For small-dollar lenders, compliance with this rule isn’t just about avoiding fines (up to $1,500 per violation)—it’s about building trust with your borrowers by respecting their privacy and preferences. By implementing transparent consent practices, you create stronger relationships while minimizing legal risks.

How Infinity's Loan Management Software Keeps You Compliant

Infinity Software is designed with compliance in mind, ensuring you’re always ready for regulatory changes like the FCC’s One-to-One Consent Rule. Here’s how:

Integrated Communication Consent Settings

‍Our software allows you to easily manage borrower consent across multiple channels, including text messages, phone calls, and emails. Borrowers can opt in to specific communication types (loan updates, marketing, or collections) through customizable consent forms.

📷 See example below of Infinity's Communication Consent Settings interface:

Clear and Transparent Disclosure

‍Infinity’s system ensures disclosures are presented clearly and align with the FCC’s requirements. Borrowers know exactly what they’re agreeing to, with language that’s easy to understand and compliant with the E-SIGN Act.

📷 Example of borrower-facing consent options for text, phone, and email communications:

Comprehensive Recordkeeping

‍Infinity stores consent records securely, tracking the who, what, and when of borrower agreements. These records are easily retrievable for audits or legal inquiries, giving you peace of mind and proof of compliance.

Customizable Notifications

‍Need to notify borrowers of payment attempts or provide account updates? Infinity enables you to automate notifications, ensuring timely and compliant communication.

Preparing for the One-to-One Consent Rule

1. Audit Your Current Processes: Ensure your consent language and lead generation methods are up to date.

2. Train Your Team: Educate staff on the importance of compliance and the specifics of the new rule.

3. Leverage Infinity’s Tools: Use our loan management software to streamline your consent collection and communication processes.

By combining compliance with borrower-first practices, you can turn regulation into an opportunity to strengthen your business and borrower relationships.  

Ready to see how Infinity can help? Request a Demo today!

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