For growth teams that live on outbound calls and SMS, the TCPA’s do-not-call rules have long been one of the most expensive line items on the risk register. Two federal court decisions handed down in the last week of September 2026 suggest that, in at least some courtrooms, that line item is shrinking. Whether it shrinks for your program depends on where your audience lives and how you run your campaigns.
The two rulings
Internicola v. MortgagePros, LLC (M.D. Fla., Sept. 24, 2026). A federal court in Florida held that the TCPA does not give consumers a private right of action for claims based on the National Do-Not-Call Registry. As reported by TCPAWorld, the court read the statute’s private-right provision, Section 227(c)(5), as covering only regulations the FCC prescribed within the nine-month window Congress set in 1991, which closed on September 20, 1992. The national registry did not exist until 2003. The court also held that texts are not “calls” under the provision.
Koeller v. Ox AppSec Security, Inc. (E.D. Mo., Sept. 30, 2026). A Missouri federal court dismissed DNC claims because, in its view, the TCPA’s do-not-call protections for “residential” subscribers do not reach cellphones. Citing Loper Bright and McLaughlin, the court refused to defer to the FCC’s 2003 interpretation that extended residential protection to cell numbers.
Why this matters for go-to-market
DNC claims are the bread and butter of a lot of TCPA filings because they are easy to plead: a number on the registry, two or more marketing contacts in twelve months, and a demand letter follows. If courts keep narrowing that pathway, the economics of plaintiff-side litigation change, and so does the risk profile of high-volume outbound.
But a GTM leader should read these cases the way they read a single A/B test: interesting, directional, not yet conclusive.
- Geography is now a variable. TCPAWorld reported on October 5 that California federal courts are still treating SMS as calls for DNC purposes. A text program that is low-risk in one district may be high-risk in another.
- The rulings are fragile. The Internicola plaintiff has filed a motion for reconsideration, and neither case is an appellate decision.
- Other claims fill the gap. The cases did not touch Section 227(b) robocall and autodialer claims, and state laws such as Florida’s FTSA carry their own private rights of action.
How to adjust your playbook
Look closely at the Internicola facts. The consumer had engaged with the company about a refinance, then withdrew consent on July 1, 2025, and allegedly received just over a dozen calls and texts in the following ten days. That is not a DNC-registry problem at its core. It is a lifecycle problem: a lead who said stop kept getting touched by automated cadences.
For growth teams, that points to three practical moves:
- Wire opt-outs directly into your sequencing tools. A stop request in one channel should pause every channel immediately.
- Keep registry scrubbing in place. It is cheap insurance against jurisdictions that do not follow these rulings.
- Segment by risk. Know which states and area codes your lists concentrate in, and match your cadence intensity to the legal environment.
Know your audience before you reach out
Every growth marketer knows that list quality drives results. In outbound, list quality also drives legal exposure. A small group of repeat plaintiffs generates an outsized share of TCPA lawsuits, and they are adept at shifting legal theories when courts close one door. TCPALitigatorList.com gives sales and marketing teams a way to screen lists against known TCPA litigators before a campaign launches, which removes some of the highest-risk contacts without slowing down the pipeline.
The takeaway
Late September brought real wins for businesses defending DNC claims, and they reflect a broader trend of courts reading the TCPA strictly after Loper Bright. Still, the smartest growth teams will bank the good news without changing their fundamentals: clean consent, fast opt-outs and smarter list hygiene remain the best growth hedge against litigation.
Sources
- TCPAWorld: DISCONNECTED: Florida Court Hangs Up On Private Right Of Action For National DNC Claims
- TCPAWorld: NO LANDLINE, NO CLAIM: Eastern District Of Missouri Finds That Cellphones Aren’t Residential For DNC Purposes
- TCPAWorld: HOLDOUT: It’s October and California Federal Courts Are Still Holding SMS Are Calls for DNC Purposes