Below is a recap of essential regulatory updates for contact compliance professionals for the month of July.

This is a marketing blog and not intended nor should be interpreted as legal advice. Please seek legal counsel for full interpretations of all rules and laws outlined in this blog. 

August Holiday Telephone Solicitation Bans 

Please be aware of the following U.S. holiday telephone solicitation bans for the month of August 2025: 

1. On August 11th, 2025, Rhode Island prohibits unsolicited sales and marketing calls to residents in observance of Victory Day. 

Other holidays may be proclaimed by the Governor in each state throughout the year.  

Please be aware of the following Canadian holiday telephone solicitation bans for the month of August 2025: 

1. On August 4th, 2025, unsolicited sales and marketing calls to residents of British Columbia, New Brunswick, Saskatchewan, Northwest Territories and Nunavut are prohibited in observance of Civic Holiday. 
2. On August 18th, 2025, unsolicited sales and marketing calls to residents of the territory of Yukon are prohibited in observance of Discovery Day. 

Gryphon has updated its existing service parameters to reflect these solicitation bans.  

FCC Officially Removes One-to-One Consent Rule via “Delete, Delete, Delete” 

“In the Delete, Delete, Delete proceeding, the Commission made clear its goal to “review its rules to identify and eliminate those that are unnecessary in light of current circumstances.”” 

In this FCC Order DA 25-621 dated July 14, 2025, the Federal Communications Commission (FCC) took advantage of “Delete, Delete, Delete” to amend its rules to comply with the recent court decision vacating and reinstating the previous version of section 64.1200(f)(9).  

The July 2025 Order restores and reaffirms the FCC’s longstanding and pre-existing prior express written consent (PEWC) requirements for telemarketing calls and texts that were in place before the one-to-one consent rule (aka “lead generator loophole”) was proposed. 

Massachusetts Sets New Standard for Consumer Debt Relief with Sweeping Fairness Act 

The Massachusetts Senate’s Debt Collection Fairness Act (S.2559), passed in July 2025, dramatically expands protections for consumers facing debt collection. Key reforms include: 

• Reducing the post-judgment interest rate on consumer debt from 12% to 3% 
• Significantly increasing wage and child support exemptions from garnishment 
• Establishing a five-year statute of limitations 
• Explicitly prohibiting imprisonment for unpaid consumer debt  
• Shields employees from workplace penalties related to debt garnishment, aiming to end predatory practices that disproportionately burden low-income and minority families 

In comparison to other state laws and federal standards, Massachusetts’ bill is notably stronger. Many states, and the federal Fair Debt Collection Practices Act (FDCPA), offer baseline protections against harassment and unfair practices but do not set such low interest rates, broad garnishment exemptions, or clear bans on jail for debt. Massachusetts’ comprehensive approach, particularly its reduced interest rate and robust wage protections, places it among the most consumer-friendly states for debt collection regulation, standing in stark contrast to the rollback of federal protections in recent years. 

As a reminder, the key FCC and FTC rules relevant here remain: 

• FCC TCPA: Requires prior express written consent for autodialed or prerecorded telemarketing calls and texts, limits calling and texting hours, and protects consumer privacy. 
• FTC Telemarketing Sales Rule (TSR): Mandates disclosures, bans misrepresentations, regulates do-not-call lists, and imposes record-keeping requirements on telemarketers; it covers telemarketing via phone calls, texts, and certain telemarketing-related email solicitations, ensuring transparency and prohibiting abusive practices. 
• CAN-SPAM Act (email): Governs debt collection emails by requiring clear sender identification, valid physical addresses, easy opt-out mechanisms, and bans deceptive subject lines or content. While prior consent is generally not required for debt collection emails (because they relate to existing debts), compliance with these rules is essential to avoid penalties and maintain fair communications. 

This S.2559 legislation still needs approval from the Massachusetts House of Representatives and must be signed by the Governor before it is enacted. When enacted, the effective date is stated as January 1, 2026. 

Delayed Consent Revocation Rules Challenged by Debt Collectors 

After assigning a one-year pause of the Federal Communications Commission’s (FCC) “revoke all” consent rule, while implementing other consent revocation rules effective April 11, 2025, “a group of debt collection agencies and their trade associations gave public notice of a meeting held June 4 with FCC Chair Brendan Carr’s legal advisor, in which they urged the agency to add the “revoke all” rule to the list of regulatory fat that should be cut from the commission’s rolls.”  

“But now, the debt collectors — led by ACA International, or the Association of Credit and Collection Professionals; American Profit Recovery; Collection Bureau Services and Encore Capital Group — are calling for the commission to do away with the rule entirely.”  

The ExParte notice states “During the meeting, we summarized ACA’s recommendations for reforms of the Telephone Consumer Protection Act (TCPA) as set forth in ACA’s filings in the Delete, Delete, Delete Docket.1 ACA noted the broad support for: 

• Reviewing the Commission’s regulations implementing the TCPA, including eliminating the “revoke all” rule 
• Restoring the established business relationship exemption and extending it to calls to wireless numbers; and 
• Harmonizing the Commission’s [TCPA] rules with the requirements of the Fair Debt Collection Practices Act and its implementing regulations, Reg. F, promulgated by the Consumer Financial Protection Bureau” 

“ACA argues this [“revoke all”] rule, which requires cessation of all communications upon a single revocation request, is overly burdensome and conflicts with the FDCPA.” Also, “ACA advocates for reinstating the EBR exemption for debt collection calls, suggesting it would simplify compliance without compromising consumer privacy,” and “emphasizes the need to align TCPA rules with the FDCPA and Consumer Financial Protection Bureau’s Regulation F, which govern debt collection practices” asserting the lack of alignment between these regulations results in compliance complexities and heightened potential for litigation. 

Through Executive Orders, America’s AI Action Plan Debuts 

In a sharp pivot from the Biden administration’s approach to artificial intelligence policy, the 28-page AI Action Plan, released July 23, 2025, alongside three new AI-related Executive Orders, prioritizes rapid AI innovation with significantly reduced regulatory oversight. 

The plan formally rescinds Biden’s 2023 AI Executive Order, replacing it with a strategy focused on accelerating AI development, expanding infrastructure, and boosting U.S. leadership in international AI diplomacy and security. The plan embraces a vision of American technological leadership rooted in minimal government interference, emphasizing economic competitiveness, the growth of AI exports, and building robust data center capabilities. 

The three Executive Orders complementing the Action Plan are: 

1. Promoting the Export of the American AI Technology Stack to expand U.S. AI technology globally 
2. Accelerating Federal Permitting of Data Center Infrastructure, to streamline the construction and operation of AI facilities 
3. Preventing “Woke AI” in the Federal Government, ensuring AI systems used by the government avoid ideological bias and focus on objective truth 

This policy framework advances Trump’s “innovation-first” agenda by easing regulations perceived to hamper private-sector AI progress, while maintaining some targeted protections against misuse and theft of advanced technology. Overall, the plan reflects a political and strategic shift toward deregulation and aggressive promotion of U.S. AI dominance through market-driven growth and infrastructure investment, setting a new tone for federal AI governance in 2025 and beyond. 

See the Federal Communications Commission (FCC) Chairman Carr’s response to this new Action Plan, here. 

Click-to-Cancel Laws: Pennsylvania Surges Ahead as Federal Rule Stalls 

The Federal Trade Commission’s landmark Click-to-Cancel rule, aimed at making subscription cancellations quick and frictionless, recently hit a major roadblock. After several implementation delays, the Eighth Circuit vacated the rule on July 8, 2025, citing the FTC’s failure to comply with required preliminary regulatory analysis, quashing opportunity for public comment. As a result, the nationwide mandate compelling businesses to offer consumers a straightforward online cancellation button is off the table, at least for now. 

Meanwhile, Pennsylvania has pressed forward with robust consumer protection. Its Click-to-Cancel law, enacted on July 1, 2025, obligates companies to provide a simple and conspicuous cancellation process for any auto-renewing contract. While paralleling the federal rule’s focus on transparency and ease, Pennsylvania’s law is now a working model, as the federal government assesses its next steps. 

This patchwork underscores the regulatory uncertainty businesses face. With federal efforts sidelined, Pennsylvania sets a new standard – potentially inspiring similar action from other states. For now, companies serving Pennsylvania customers must comply with state requirements, while watching for possible FTC appeals or further rulemaking. 

Pennsylvania’s proactive stance shows that, while federal action may be stalled, the momentum for consumer-friendly subscription laws continues at the state level, offering clarity for residents and a signal for national policy debates. 

Sources: Law360 – 1, 2. National Law Review – 1, 2. Pennsylvania General Assembly – 1, 2, 3. FTC – 1, Ground News – 1 

FCC Moves to Shut Down Non-IP Caller ID Spoofing Loophole, Invites Public Input on Stronger Robocall Defenses 

The Federal Communications Commission (FCC) has issued a Notice of Proposed Rulemaking (NPRM) seeking public comment on closing the caller ID authentication gap in non-Internet Protocol (non-IP) networks, which are currently vulnerable to illegal robocalls and caller ID spoofing. Existing STIR/SHAKEN caller ID authentication technology applies only to IP-based calls, leaving legacy non-IP networks exempt from these protections. 

Under the NPRM, the FCC proposes to repeal this exemption, requiring all voice service providers- including gateway and non-gateway intermediate providers using non-IP infrastructure- to either upgrade to IP networks or implement one or more approved non-IP caller ID authentication frameworks within two years. The NPRM evaluates three specific frameworks developed by the Alliance for Telecommunication Industry Solutions (ATIS): In-Band Authentication, Out-of-Band Multiple STI-CPS Authentication, and Out-of-Band Agreed STI-CPS Authentication. The FCC invites comments on their effectiveness, availability, and other potential solutions. 

To facilitate ongoing oversight, the FCC proposes a streamlined process for approving future non-IP authentication frameworks, delegating review authority to its Wireline Competition Bureau. The NPRM also seeks to amend rules for the Robocall Mitigation Database (RMD), requiring providers to certify implementation of non-IP authentication frameworks.   

Additionally, new rules will mandate written agreements and compliance documentation when third parties are used in caller ID authentication processes. Public comments and replies are due 30 and 60 days after Federal Register publication, respectively. 

This rulemaking represents a significant step to bolster the nation’s defenses against illegal robocalls by extending robust caller ID authentication protections to legacy non-IP telephony infrastructure, enhancing security and trust in the telephone network. 

Big Beautiful Bill Drops Controversial AI Regulation Moratorium, State and Local Authority Preserved 

On July 4, 2025, President Trump signed the “One Big Beautiful Bill Act,” a sweeping budget reconciliation measure with major policy changes. Originally, the bill included a controversial 10-year moratorium that would have prevented states and localities from regulating artificial intelligence (AI) systems entering interstate commerce. This moratorium threatened enforcement of numerous state AI rules on employment algorithms, consumer protections, and online safety. 

However, the moratorium was removed before the final passage. The U.S. Senate overwhelmingly rejected the AI ban in a 99-1 vote, following bipartisan opposition from senators, governors, state attorneys general, and consumer advocates who warned it was premature and could undermine protections in areas like children’s online safety and civil rights. 

The Senate also rejected tying broadband funding to moratorium compliance. As a result, states like Colorado, Illinois, and New York City retain authority to enforce AI laws, maintaining an active and diverse regulatory landscape tailored to local priorities. 

The bill invests heavily in AI research, infrastructure, and national security, with safeguards against foreign influence. Complementing this, the recently released America’s AI Action Plan outlines over 90 federal initiatives supporting innovation and infrastructure, emphasizing coordination with state and local efforts rather than preemption. 

In summary, the moratorium removal preserves state and local AI governance while signaling the ongoing need for balanced federal-state cooperation amid rapid AI advances. 

FTC Halts Major Debt Relief Scheme Preying on Vulnerable Consumers 

The Federal Trade Commission (FTC) has secured a federal court order in July 2025 to halt a $100 million debt relief scam operated by Accelerated Debt Settlement Inc. and related entities. The operation primarily targeted vulnerable consumers, including seniors and veterans, using deceptive practices that falsely promised substantial debt reduction—often claiming to cut debts by up to 75% or more. 

The FTC complaint alleges that the defendants impersonated banks, credit card issuers, government agencies like the Social Security Administration, and consumer reporting agencies to gain consumers’ trust. They charged illegal upfront fees, misrepresented the impact of their services on credit scores, and instructed consumers to stop paying their credit cards, worsening their debt and damaging their credit. 

One documented victim, an Army veteran, saw his debt increase by $13,000 and his credit score drop dramatically, jeopardizing his job-required security clearance. Another retired veteran depleted his savings due to the defendants’ false claims and unlawful fees. 

The federal court’s order freezes the defendants’ assets, appoints a receiver to take control of their operations, and prohibits destruction of records. The FTC emphasizes that legitimate debt relief companies never charge fees upfront and urges consumers to verify providers carefully. 

This enforcement highlights the FTC’s dedication to protecting financially vulnerable populations from fraudulent debt relief scams. 

U.S. QUIET Act (H.R. 1027) Gains Four New Sponsors but Progress Otherwise “Quiet” 

The Quashing Unwanted and Interruptive Electronic Telecommunications Act (QUIET Act), which proposes disclosure of Artificial Intelligence (AI) use at the beginning of a telemarketing call along with increased penalties for violations involving AI voice or text messages, now has 19 total co-sponsors, including original co-sponsor Sorensen (IL). 

Four new sponsors signed up in July: 

1. Resident Commissioner Pablo Jose Hernandez [D-PR-At Large] cosponsored 7/02/2025 
2. Re. Janelle S. Bynum [D-OR-5] cosponsored 7/10/2025 
3. Rep. Kelly Morrison [D-MN-3] cosponsored 7/14/2025 
4. Rep. Angie Craig [D-MN-2] cosponsored 7/14/2025 

Other than the continued sponsorship momentum, no further activity involving the bill has been published since it was referred to the Subcommittee on Communications and Technology in February 2025, shortly after the bill was introduced. 

New Colorado Area Code 748 

The North American Number Plan Administrator (NANPA) has announced the implementation of a new area code: 

• New area code: 748 
• Jurisdiction: Colorado 
• Effective Date: July 7, 2025 
• Type: General Purpose 
• Overlay: 748 overlays 942 

Gryphon has implemented this new area code throughout all systems, ensuring compliance with the published effective date and requirements.  

About Gryphon AI

Staying updated with the latest regulatory changes is crucial for any enterprise aiming to minimize risk and maximize reach. Gryphon AI is the only automatic, real-time, intelligent contact compliance solution on the market that delivers compliant, real-time intelligence into every customer conversation.    

With Gryphon AI, enterprises can stay ahead of the regulatory curve and efficiently manage all regulatory changes, ensuring seamless compliance and operational excellence.    

To learn more about how Gryphon AI can help you manage these updates, reach out to us today.