Are Text Messages Calls? Seventh Circuit's Steidinger Decision Reshapes TCPA Litigation Landscape - Consumer Financial Services Law Monitor
Seventh Circuit's Steidinger decision clarifies that text messages can be considered calls under the TCPA, potentially expanding liability for debt collectors using text messaging.
Aforeworn detected this change in the Debt Collection (FDCPA / State) space on August 27, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated Medium urgency. Debt collectors, collection agencies, debt buyers, and collection law firms that use text messaging to communicate with consumers. should confirm how it applies to their specific situation before acting. There is a time constraint attached: No specific deadline provided; however, immediate review is recommended to mitigate risk.. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Debt Collection (FDCPA / State) continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.
What changed
The Seventh Circuit ruled that text messages may be treated as calls under the TCPA, meaning they could be subject to the same consent and liability rules as voice calls.
Who it affects
Debt collectors, collection agencies, debt buyers, and collection law firms that use text messaging to communicate with consumers.
What you must do
Review current text messaging practices to ensure compliance with TCPA consent requirements, and consult legal counsel to assess the impact of this ruling on your operations.
Deadline
No specific deadline provided; however, immediate review is recommended to mitigate risk.
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