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All glossary terms
Compliance & regulatory

TCPA

Also called: Telephone Consumer Protection Act

Definition

1991 federal law restricting telemarketing calls, autodialer use, prerecorded messages, and SMS marketing. Enforced via private right of action with statutory damages — $500 per violation, $1,500 if willful. State laws (FL Mini-TCPA, WA Mini-TCPA, OK Mini-TCPA, MD Mini-TCPA) extend liability.

For brokers

Velora enforces TCPA at the dispatch layer with a 51-state matrix. Quiet hours, day-of-week rules, AI-voice disclosure preambles for TX SB 140 and CA AB 2905 — the platform refuses to send when a state rule isn't met.

Authority source

47 USC § 227

Related in compliance & regulatory

ERISA

The 1974 federal law that governs employer-sponsored benefits.

Form 5500

The annual return employers (and unions) must file for ERISA-covered benefit plans with 100+ participants.

CTIA

The wireless carrier industry trade association.

10DLC

10-digit long code A2P registration — the carrier program that sanctions sending app-to-person SMS from a regular phone number.

Velora speaks the broker domain natively.

SIC, enrolled lives, renewal month, current carrier — every term in this glossary corresponds to a field Velora's outbound engine actually uses for targeting, segmentation, and cadence selection.

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