Sat, 02 May 2026 16:24:09 +0000

Credit One’s Silent TCPA Settlement Hits Millions—Are You Protected? In recent months, thousands of consumers have received notifications from Credit One Bank regarding a major settlement tied to the Telephone Consumer Protection Act (TCPA). Known as a “Silent TCPA Settlement,” this agreement has settled claims involving unauthorized automated calls, texts, and other marketing communications—many of which consumers may not have even noticed. As millions of customers sit on the edge of potential charges, the question looms: Are you protected? ### What Is the TCPA and Why Does It Matter? The Telephone Consumer Protection Act, enacted in 1991, regulates automated telephone dialing systems (auto-dialers), as well as waiting-time and reminder calls. It requires sender consent and imposes strict limits on certain communications, particularly marketing messages sent without prior permission. Violations can result in steep fines—up to $1,500 per violation—leading to thousands of settlements like Credit One’s.