⚖️ Compliance SOP

Contact Consent & TCPA Guide

Everything Waypoint Noven agents/brokers need to know about who you can call, text, and email — and how to stay protected when you do it.

📋 Waypoint Noven LLC
⚖️ TCPA Compliant Framework
🔄 Updated April 2026
👤 All Agents/Brokers Required Reading
⚠️
Why This Matters
Real numbers, real consequences
TCPA violations start at $500 per call or text — up to $1,500 if the violation is willful. There is no cap per plaintiff. Class action lawsuits against real estate agents/brokers are common and have resulted in settlements over $1 million for relatively small outreach campaigns.

The Telephone Consumer Protection Act (TCPA) governs how you may contact people by phone and text. It applies to every agent/broker at Waypoint Noven — residential, commercial, recruiter, or transaction coordinator.

This is not optional compliance. Waypoint Noven's license and your individual license are both exposed by improper outreach. The good news: staying protected is straightforward if you understand the rules and use the consent tools built into the CRM.

The broker rule: When in doubt on any specific situation, contact your Qualifying Broker before proceeding. The cost of a 2-minute call is infinitely less than a TCPA complaint.
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The Four Contact States
Every contact in your CRM is in one of these states

WaypointOS tracks consent status for every contact. Here's what each state means and what it allows.

⚪ Unknown / No Consent
No documented consent. No active EBR. No DNC check performed.
✓ You can call — but you're unprotected
✗ Do not run automated outreach campaigns
✗ Cannot prove consent if challenged
🔄 EBR Active
Established Business Relationship — closed a deal within the past 18 months.
✓ Can call and text — even if on DNC list
✓ Automatic — no action needed
✗ Expires — CRM shows exact date
✗ Does NOT reset when you call them
⚠️ Consent Revoked
Contact said stop, unsubscribe, remove me, or equivalent. Logged in WaypointOS.
✗ No calls or texts — period
✗ No exceptions once logged
ℹ You may respond if THEY contact you first
DNC Registry note: Being on the Federal Do Not Call registry is a separate issue from consent. EBR and written consent both override DNC registration. Unknown status + DNC registration = do not call without getting consent first.
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EBR — The 18-Month Rule
Established Business Relationship — what it is and isn't
TriggerEBR WindowNotes
Closed transaction — you represented them on a sale or purchase18 months from closing dateMost common. CRM calculates automatically from Past Deals.
Inquiry they initiated — they called you, emailed you, or filled out a form3 months from inquiry dateShort window. Log the inquiry immediately so the date is documented.
Calling, texting, or emailing the contact does NOT extend the EBR window. The clock runs from the triggering event — not from your last contact with them. Many agents/brokers assume staying in touch keeps their EBR active. It does not.
  • A new closing (new 18-month window from new closing date)
  • A new inquiry initiated by the contact (new 3-month window)
  • Written express consent logged — replaces EBR entirely and has no expiration
You closed with Brian Hermeyer on October 14, 2024. Your EBR expires April 14, 2026 — exactly 18 months later. You can call Brian through April 13, 2026 under EBR protection. Starting April 15, 2026, you need documented written consent to call him — especially if he's on the DNC registry. WaypointOS shows you the exact expiration date on his contact page.
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Revocation — When They Say Stop
What triggers it, what it requires, and what it doesn't mean
Under TCPA, a contact can revoke consent at any time, in any reasonable way. You are required to honor revocation immediately. There is no grace period. Continuing to contact someone after revocation is a willful violation — $1,500 per message.
  • "Stop texting me" — any channel
  • "Don't call me anymore"
  • "Remove me from your list"
  • "Unsubscribe" — even said verbally
  • Replying STOP, QUIT, END, CANCEL, UNSUBSCRIBE to a text
  • Any reasonable equivalent of the above
1
Stop all outreach immediately. Do not send one more message while you go log it.
2
Open the contact in WaypointOS and click Log Revocation on the consent card.
3
Select how they revoked and write exactly what they said.
4
If it was a text reply, screenshot it and note the screenshot in the log.
Revocation ends your right to initiate contact — it does not end the relationship. If the contact calls or texts YOU after revoking, you may respond to that specific conversation. That response is not a violation. However, that inbound contact does not automatically restore consent — you would need to re-obtain documented consent before initiating outreach again.
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Sphere & Referrals
The gray zone — and how to navigate it correctly

Most agents' highest-value contacts are in their sphere and referral network. This is also where agents are most likely to assume consent they don't actually have.

Knowing someone personally does not create TCPA consent. Your neighbor, your cousin, your college friend — calling them socially is fine. Calling them as a real estate agent/broker about a transaction, or texting them marketing content, requires consent just like any other contact.

The practical standard: if you'd explain the call as a business call if asked, get consent. If it's purely personal, TCPA doesn't apply. The line is intent — the moment the call is about real estate, you need consent protection.

ScenarioDo You Have Consent?
Referral source gave you the contact's number without asking them⚠ No — the referral source cannot consent on their behalf
Contact gave the referral source their number specifically to pass to you✓ Arguably yes — log it as "referral-sourced consent" with the referral source noted
Contact reached out to you directly based on a referral✓ Yes — they initiated contact, 3-month EBR window applies
Best practice for referrals: On the first call, confirm: "Your name came to me through [referral source] — is it okay if I follow up with you by phone and text?" One sentence. Log it.

Signing an open house sheet creates implied consent to follow up about that specific property. It does not create blanket consent to add them to a marketing list or text them indefinitely. Get explicit consent on the follow-up call.

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Social Media & Direct Messages
Does TCPA apply? What about DMs, Facebook, and Instagram?
Short answer: TCPA does not directly govern social media DMs — but that doesn't mean anything goes. Platform rules, NAR Code of Ethics, CAN-SPAM, and state law all still apply. And consent you document in WaypointOS from a DM conversation protects you the same way verbal consent does.
ChannelTCPA Applies?What Governs It
Phone calls to cell phones✓ YesTCPA — consent or EBR required for business calls
Text messages (SMS/MMS)✓ YesTCPA — same rules as calls. Higher scrutiny for marketing texts.
Facebook Messenger DMs✗ Not directlyMeta platform policies + NAR Code of Ethics + state law
Instagram DMs✗ Not directlyMeta platform policies + NAR Code of Ethics
LinkedIn messages✗ Not directlyLinkedIn platform rules + CAN-SPAM for commercial messages
Email⚠ PartialCAN-SPAM Act — commercial emails must include opt-out, physical address, and honest subject lines
Automated DM tools / bots⚠ Higher riskPlatform TOS violations + potential FTC action + state UDAP laws
1
Manual DMs are generally fine. Sending a personal message on Facebook or Instagram to someone you know is normal communication. TCPA doesn't govern it. That said, NAR's Code of Ethics still requires you to be honest about who you are and your professional capacity.
2
Mass or automated DM campaigns are not fine. Using tools that auto-send DMs to strangers at scale violates platform terms of service and creates real legal exposure under FTC regulations and state consumer protection laws. Waypoint Noven prohibits this.
3
Log DM-obtained consent in WaypointOS. If someone replies to your DM and says "yeah you can text me," log that as written consent in WaypointOS — method: "Facebook DM" or "Instagram DM." It protects you when you move the relationship to phone and text.
4
Disclose you're an agent. If you're reaching out professionally through social media, your capacity as a real estate agent must be clear. Approaching a contact under the guise of a personal relationship while pursuing a business transaction violates NAR ethics standards.
Every commercial email you send must include: your real name and brokerage, a physical mailing address, an honest subject line that isn't deceptive, and a clear way to opt out. If they opt out, you must honor it within 10 business days. WaypointOS's AI Composer checks your messages for compliance before you send.
Someone liked my Facebook post about a listing. Can I DM them?
⚠ Keep it brief and professional

A like on a post is not consent — it's engagement with content. You may send one tasteful, informational DM referencing the content they engaged with. Example: "Hey, saw you liked my post about 123 Main — happy to answer any questions if you're curious about the market." Don't pitch. Don't add them to campaigns. If they respond and express interest, log the conversation as a contact and get explicit consent before moving to text or calls.

Can I use automated DM tools to send messages to people who follow me?
✗ No — Waypoint Noven prohibits this

Automated DM tools (auto-welcome messages, mass outreach bots) violate Meta and LinkedIn platform terms of service. Accounts using them are suspended or permanently banned. Beyond the platform risk, mass unsolicited DMs to strangers can constitute unfair or deceptive trade practices under state consumer protection law. Do not use these tools under the Waypoint Noven brand or your individual license.

A contact responded to my Instagram story and we chatted. Can I now text them?
⚠ Ask first — don't assume

A social media conversation is consent to communicate on that platform — it's not automatic consent to move the relationship to text. On your next DM exchange, ask: "Would it be easier to stay in touch by text?" If they say yes, log it as written consent in WaypointOS (method: Instagram DM) before you text them for the first time.

FAQ — Real Scenarios
Specific situations with direct answers
My EBR expired but we're still close — we talk all the time. Can I still call them about real estate?
⚠ Proceed with caution

Personal calls between friends fall outside TCPA. Real estate business calls require consent protection. If your EBR expired and you haven't logged written consent, you're unprotected on any business call. The fix takes 30 seconds — ask on your next call and log it. "Hey, totally fine if I keep texting you about market stuff?" Done.

A referral gave me their contact's number. I haven't called yet. Do I have consent to reach out?
⚠ Not yet — depends on how it was passed

If the referral source asked their contact "is it okay for my agent to reach out?" and got a yes, you're arguably covered — log it that way. If the number was just passed along without that conversation, you don't have consent. Either way, get explicit consent on the first call and log it immediately. Don't skip this step.

I imported 400 contacts from my old CRM or phone. What do I do about consent for all of them?
⚠ You need to work through them

Importing contacts doesn't import consent. Your highest-risk contacts are anyone you'd call about real estate who you haven't talked to in a while — especially if they're on the DNC registry. The practical approach: sort by relationship. Sphere and past clients you have active relationships with — log consent when you next speak with them. Cold imports you haven't talked to in years — treat as unknown until you make contact and ask. Don't blast the whole list with texts before doing this.

My past client closed with me 2 years ago. Their EBR has expired. Can I reach out to wish them happy anniversary on their closing date?
⚠ Yes, but document what happens

A single personal outreach to a past client about their home anniversary is generally considered low risk — it's a personal gesture, not a marketing campaign. However, you're unprotected if they complain. Best practice: make the call, it's the right thing to do, but when they answer — ask for consent. "I just wanted to say happy home anniversary — is it still okay if I stay in touch by text?" Log it and you're protected going forward.

They texted ME first out of nowhere about buying a home. Does that count as consent for me to text back?
✓ Yes — with boundaries

When someone initiates contact with you, that's a 3-month EBR window and reasonable implied consent to respond to that specific conversation. You can text back about the topic they raised. However, this doesn't give you blanket consent to add them to campaigns or text them about other topics indefinitely. On your first call, get explicit consent and log it.

A contact said "stop texting me" but they still call me occasionally. What's my consent status?
🛑 Revoked for texting — answer their calls

They revoked consent for texts specifically. Honor that completely — never text them again unless they explicitly re-consent in writing. They can still call you, and you can answer and call them back when they initiate. If on a call they say "yeah you can text me again" — log it immediately as a new consent record with that date. Their earlier revocation stands in the record; the new consent record establishes the new status.

I called from my personal cell, not the business line. Does TCPA still apply?
⚠ Yes — TCPA follows the purpose, not the phone

TCPA applies based on the nature of the call — if you're calling as a real estate agent/broker about business, the fact that you used your personal number is irrelevant. You're still making a business call. The only calls that fall outside TCPA are genuinely personal calls with no business purpose. If you wouldn't put the call on your activity log, it might be personal. If you would — it's a business call.

Someone signed in at my open house. Can I add them to my text list?
⚠ Only if the sign-in sheet disclosed it

Open house sign-in sheets only create consent if they clearly disclosed that signing up means receiving marketing communications. A generic name-and-phone sheet does not. Best practice: add a line to your sign-in sheet — "By signing in you agree to receive follow-up communications about this property and similar listings from [your name]." Or simply ask on the follow-up call and log it.

They gave me their business card at a networking event. Can I text them?
⚠ Call yes — marketing texts no

Exchanging business cards implies consent for a professional follow-up call about the topic discussed. It does not imply consent for ongoing marketing texts. A single follow-up call is appropriate. On that call, ask if it's okay to stay in touch by text and log their answer.

My sphere contact is on the DNC registry. I've known them for years. Can I still call?
⚠ Depends on relationship type

Purely personal calls are outside TCPA — DNC doesn't apply to calling your actual friends and family. But the moment the call is a real estate business call, DNC applies and you need EBR or written consent to be protected. If you have an active EBR (recent transaction), you're fine. If you don't, get documented written consent before making business calls to DNC-registered numbers.

Can I text a contact to ask for consent?
⚠ Tricky — call first if possible

Sending an initial text to ask for consent is a gray area — you're using the very channel you're asking permission for. The safest approach: call first (calls have a lower TCPA threshold than texts for non-automated outreach), ask for consent on the call, then log it. If you can only reach them by text, keep the first text purely informational and short — "Hi, this is [name] from Waypoint Noven. Would it be okay if I stayed in touch by text?" — not a marketing message.

What happens if I get a TCPA complaint?
🚨 Contact your Qualifying Broker immediately

Do not respond to the complainant without talking to your Qualifying Broker first. Do not delete any records. Your WaypointOS consent logs, activity logs, and call records are your defense — they cannot be altered and they are timestamped. The Qualifying Broker will engage brokerage legal counsel. The strength of your defense depends entirely on what's documented in the system — which is exactly why logging consent at the time it's given matters so much.

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Quick Reference Card
Screenshot this and keep it handy
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TCPA Fine
$500–$1,500
per call or text
No cap per plaintiff
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EBR Window
18 months from closing
3 months from inquiry
Does not reset on contact
Written Consent
No expiration
Overrides DNC
Log immediately
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Revocation
Honor immediately
Log it right now
No grace period
When in Doubt
Contact your
Qualifying Broker
before proceeding
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The Ask
"Is it okay if I stay
in touch by phone
and text?"
The one rule that covers everything: If you're making a business call or sending a business text, you need documented protection — EBR or written consent. If you don't have it, ask for it on that call and log it before you hang up.
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How to Log in WaypointOS
Where everything lives in the platform
What You Need to DoWhere in WaypointOS
See a contact's current consent statusContact page → Contact Consent card (right column)
Log written consentContact Consent card → "+ Log Consent" button
Log a revocationContact Consent card → "Log Revocation" button
See EBR expiration dateContact Consent card → auto-calculated from Past Deals
See consent warning on a contactHero bar (under name) → "⚪ No Consent" badge
See DNC or opted-out contacts in your listCRM list → 🚫 DNC or ⚠️ Opted Out badge on card
Ask the compliance AI a questionContact Consent card → "? Guide" button → ask anything
View consent audit historyContact Consent card → expand Consent History section
Report a TCPA complaintContact your Qualifying Broker directly — do not proceed on your own
All consent records in WaypointOS are permanent and tamper-proof. They cannot be edited or deleted by agents, brokers, or admins. They are timestamped at the moment of creation. This is by design — your log entry is your legal documentation.
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