TSR Advance-Fee Rule for Phone Sales

Understand the TSR advance-fee ban for credit repair sold by phone, and how it changes billing.

What is inside

What 16 CFR 310.4(a)(2) bans and when it applies
Why phone sales change when you can collect payment
Billing and script habits that keep phone sales compliant

Who it is for: Credit repair owners who sell, enroll or follow up with prospects by telephone.

Questions

Does the advance-fee ban apply to online sales?

It applies to telemarketing. If a telephone call is part of the sale, assume it may apply and get counsel's view. Verify with counsel and the current official text.

Does a signed CROA contract satisfy the TSR?

No. CROA and the TSR are separate. A compliant contract does not permit payments the TSR bars.

SCAIL is software and does not repair credit or promise results. Educational information, not legal advice. Laws change; verify with counsel.