---
page_type: error
code: 30443
message: "30443: Toll-Free verification rejection - Disallowed: Loan Marketing"
level: ERROR
product: Programmable Messaging
---

## Description

The Toll-Free phone number verification submission has been reviewed and it was rejected. Effective Jan 31st, 2024, messaging traffic on this Toll-Free number is blocked until it's verified.

Verification is one component of ensuring A2P SMS is used by businesses in a legal and compliant manner. The review process looks at the business sending messaging (not the software powering it), the use case, sample content, the web presence, the opt-in/consent collected and associated website terms and privacy policies.

### Possible Causes

The toll-free phone number cannot be verified because the submission indicated that the business is associated with or the toll-free verification submission indicated a forbidden messaging category (High-risk financial services: New loan soliciting).

New loan soliciting, Payday loans, Short term high-interest loans, Third-party loans and Student loans are disallowed content.

"Third-party" means originating from any party other than the one which will service the loan. Examples of third-party loans could include: auto, mortgage, personal, etc. First party loan content is acceptable if it is not promotional messaging.

Note: Any business with a terms of service or privacy policy that mentions sharing or selling consumer data/opt-in information is considered noncompliant.

### Possible Solutions

If you are confident that your business and messaging use case does not fit into forbidden message categories, contact Twilio Support to provide Additional Information that explains your use case.

[Forbidden Message Categories](https://support.twilio.com/hc/en-us/articles/360045004974-Forbidden-message-categories-for-SMS-and-MMS-in-the-US-and-Canada)

[Why was my Toll Free Verification Rejected?](https://support.twilio.com/hc/en-us/articles/9321443984155-Why-Was-My-Toll-Free-Verification-Rejected)

[Required information for Toll-free verification](https://support.twilio.com/hc/en-us/articles/13264118705051-Required-Information-for-Toll-Free-Verification)

[Toll-Free best practices](https://support.twilio.com/hc/en-us/articles/360038172934-Information-and-best-practices-for-using-Toll-Free-SMS-and-MMS-in-the-US-and-Canada)

[Twilio's Messaging Policy](https://www.twilio.com/en-us/legal/messaging-policy)