TCPA Isn't A Compliance Checkbox Anymore. It's Litigation Exposure.
Through 2025, TCPA lawsuits naming MCA-adjacent callers — brokers, lead sellers, and the shops dialing their leads — rose sharply year over year, and the majority now arrive as class actions rather than single-plaintiff claims. Per-violation exposure runs $500 to $1,500 with no statutory cap on total damages, and a class action multiplies that per-violation number by every call made to every class member on the same dialing campaign. This page lays out the actual exposure a shop is carrying today, before it shows up as a lawsuit instead of a line item.
TCPA lawsuits naming MCA-adjacent callers rose an estimated 60-95% year over year through 2025, with roughly 80% of those suits now filed as class actions rather than individual claims. Per-violation exposure runs $500-$1,500, with no statutory cap on total damages across a class.
TCPA litigation-trend reporting compiled by industry compliance trackers, 2025 — not a Scaler client result.
One dialing campaign, multiplied across a class, is how a compliance gap becomes a seven-figure claim.
- 01Per-violation statutory damages of $500-$1,500 apply to each call found in violation — not each lawsuit. A single campaign that dialed a purchased list without verified consent can generate thousands of individual violations if it's certified as a class.
- 02Roughly 80% of current TCPA suits against MCA-adjacent callers are filed as class actions, which is the mechanism that turns a per-call number into a claim that can run into the tens of millions rather than a few thousand dollars per plaintiff.
- 03There is no cap on total statutory damages under TCPA — unlike many consumer-protection statutes, exposure scales directly with call volume and class size, with no ceiling built into the law itself.
- 04Consent chain is the actual point of failure in most of these suits: a lead purchased from a vendor with unclear or unverifiable opt-in, then dialed by the ISO or broker, puts the liability on whoever made the call — regardless of what the vendor represented about the lead's consent status.
- 05Plaintiff's firms specializing in TCPA class actions actively monitor MCA-adjacent dialing patterns, which is part of why the surge in suits has concentrated in this vertical rather than being spread evenly across all outbound-calling industries.
Live in days, not months.
Audit
We review your current dialing lists, lead sources, and consent documentation to identify where verified opt-in is missing or unverifiable before a call is made.
Build the consent gate
We build automated consent verification into intake, so a lead can't reach a dialer or texting system without a checked, logged consent record.
Automate suppression
We wire in do-not-call, litigator-list, and prior-complaint suppression automatically, removing the manual step where these checks currently get skipped under call-volume pressure.
Run and document
We keep the consent and suppression system running and maintain the audit trail — the documentation that matters most if a claim is ever filed.
What changes once consent verification happens automatically, not by memory.
- Every lead checked against verified consent status before it reaches a dialer or SMS system — closing the specific gap most current suits are built on.
- Do-not-call, litigator, and prior-complaint suppression applied automatically across every list, not dependent on a rep remembering to check.
- An audit trail of consent and suppression checks maintained automatically, which is the documentation that actually matters if your shop is ever named in a claim.
- Compliance built into the dialing process itself, so call volume and speed-to-lead don't have to be traded off against consent verification.
Questions, answered.
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- Underwriting Transparency & Deal Status Automation
- White-Label ISO Portal for MCA Brokerages
- Aged & Dead MCA Lead List Revival Automation
- AI Bank-Statement Underwriting Triage for MCA
- MCA Lead Sources Beyond Meta Ads
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