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Kellie Bubeck Kellie Bubeck

Another Court Says Plain Meaning Matters: Calls Are Not Texts

Two courts. One message. Post-McLaughlin, some judges are making it clear: text messages are not “telephone calls” under the TCPA. In Davis v. CVS Pharmacy, Inc., No. 4:24-cv-477-AW-MAF, 2025 U.S. Dist. LEXIS 167366 (N.D. Fla. Aug. 26, 2025), the plaintiff claimed CVS Pharmacy sent him two unsolicited texts while his number was on the National Do Not Call Registry. But he didn’t allege a single call.

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Kellie Bubeck Kellie Bubeck

Court Rules Tech Doesn’t Matter, How You Use Your Phone Does Under TCPA

If you’re like most people, your cell phone is glued to your side 24/7. But does the TCPA’s protection for “residential telephone subscribers” apply to cell phones? Before the Supreme Court’s recent decision in McLaughlin Chiropractic Assocs., Inc. v. McKesson Corp., 606 U.S. 146 (2025), the answer was clear. Now, courts are being forced to take another look.

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Kellie Bubeck Kellie Bubeck

Are Political Texts Legal? What You Need to Know Before November

With primaries heating up and the fall general election just around the corner, your phone is likely lighting up with political texts—requests for donations, reminders to vote, or messages promoting a particular candidate. While some people may find these messages informative, many consider them annoying. But are they actually illegal?

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Kellie Bubeck Kellie Bubeck

Good News for Marketers? Court Finds Texts Don’t Violate Do-Not-Call Rules

A federal court has ruled that the National Do Not Call Registry does not apply to texts. In Jones v. Blackstone Medical Services, LLC, No. 1:24-cv-01074-JEH-RLH, 2025 U.S. Dist. LEXIS 138371 (C.D. Ill. July 21, 2025), the court held that the “do-not-call” provision of the Telephone Consumer Protection Act (TCPA) applies only to phone calls and not texts.

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Kellie Bubeck Kellie Bubeck

Summer Bummer: UnitedHealthcare Settles TCPA Case for $3.5M

If you want to avoid a TCPA class action, start with two simple rules. First, hire a lawyer who focuses on TCPA and telemarketing compliance from the start. Second, don’t use a prerecorded voice. That choice puts the burden on you to prove prior express written consent for marketing calls, a standard many companies can’t meet cleanly. If you’re using prerecorded messages without airtight documentation, you’re making yourself a target.

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Kellie Bubeck Kellie Bubeck

Call Chaos Ahead? Supreme Court Ruling Could Shake Up Telemarketing Landscape

On June 20, 2025, the Court ruled in McLaughlin Chiropractic Associates, Inc. v. McKesson Corp. that district courts are not bound by the Federal Communications Commission’s (FCC) interpretation of the TCPA. Instead, judges must interpret the TCPA for themselves, using ordinary legal analysis, while giving “appropriate respect” to the agency’s view.

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Kellie Bubeck Kellie Bubeck

A Shot of Clarity: What the Coffey Ruling Means for the Real Estate Industry

The housing market is buzzing, and agents are racing to get listings any way they can. But even with off-market deals and cash offers flying around, real estate pros need to be careful. A recent ruling out of Arizona shows that not every outreach effort runs afoul of the Telephone Consumer Protection Act (TCPA).

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Kellie Bubeck Kellie Bubeck

Say My Name: SelectQuote Scores Big Win—For Now

Companies are often sued not because they made the calls, but because someone else did. And when that “someone” is a third-party lead generator, plaintiffs need more than speculation to tie the defendant to the phone call. That was the key issue in Lightfoot v. SelectQuote, Inc., No. 1:24-cv-04673, 2025 U.S. Dist. LEXIS 103026 (N.D. Ill. May 30, 2025), where SelectQuote secured a win at the motion to dismiss stage by showing the call in question didn’t mention them at all.

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Kellie Bubeck Kellie Bubeck

Is TCPA Insurance Worth It? Here’s My Take

TCPA class actions are notoriously expensive to defend—even when the claims are weak. With statutory damages ranging from $500 to $1,500 per call or text and the potential for nationwide class exposure, litigation costs escalate quickly. Simply reaching or opposing class certification can cost tens, if not hundreds, of thousands of dollars. It’s no surprise that many businesses consider TCPA insurance as a safety net. But is it worth it? In my experience, not always—and here’s why.

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Kellie Bubeck Kellie Bubeck

Rule 68 Offers and Discovery Pitfalls: Lessons from Johnson v. Crowdvest

Under the Federal Rules of Civil Procedure, Rule 68 allows a defendant to make a formal settlement offer to the plaintiff, including accrued costs. If the plaintiff accepts within 14 days, judgment is entered. If not, the offer is withdrawn. But if the plaintiff ultimately recovers less than what was offered, they may have to cover the defendant’s post-offer costs.

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Kellie Bubeck Kellie Bubeck

Same Rules, New Tech: AI Calls Must Comply with the TCPA

Sometimes, it’s important to have a legal reminder—much like reminding your kids to say “please” or “thank you” for the thousandth time. So, here’s your reminder: if you are using artificial intelligence (AI) to make calls or send texts, they are subject to the Telephone Consumer Protection Act (TCPA).

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Kellie Bubeck Kellie Bubeck

The Early Text Gets the Lawsuit: Craftie Fox Sued Under TCPA

In recent months, a growing trend has emerged: plaintiffs filing TCPA class actions that claim companies violated federal calling time restrictions by reaching out before 8:00 a.m. or after 9:00 p.m. local time, even when the person may have given consent.

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Kellie Bubeck Kellie Bubeck

Can Texting Parents for COPPA Consent Trigger TCPA Liability?

Let’s say your child wants to download Minecraft. He’s prompted to enter a parent’s phone number before proceeding, and he puts in yours. Moments later, your phone buzzes with a text asking for parental consent. While this seems like a responsible move under the COPPA, you pause. You never agreed to receive that text. Does this comply with the TCPA?

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The content of PrivacySpeak is not legal advice and should not be used as a substitute for consulting with a qualified attorney. Information provided may not apply to all jurisdictions and may be subject to change. © 2025 Bubeck Law LLC