Insurance Marketing Coalition Limited v. Federal Communications Commission

127 F.4th 303 (11th Cir. 2025) · United States Court of Appeals for the Eleventh Circuit · January 24, 2025 · No. 24-10277

Summary

The Eleventh Circuit reviewed the Federal Communications Commission's 2023 Order, which imposed new restrictions on what constitutes "prior express consent" for telemarketing and advertising robocalls under the Telephone Consumer Protection Act (TCPA). The court held that the FCC exceeded its statutory authority because the new "one-to-one-consent" and "logically-and-topically-related" restrictions conflict with the ordinary statutory meaning of prior express consent. Accordingly, the court granted the petition for review, vacated the challenged portion of the FCC's order, and remanded the case for further proceedings.

Court
United States Court of Appeals for the Eleventh Circuit
Writing for the Court
Adalberto Jordan Branch; Robert J. Luck; Barbara Lagoa
Jurisdiction
United States Court of Appeals for the Eleventh Circuit
Decision date
January 24, 2025
Docket number
24-10277
Procedural posture
Insurance Marketing Coalition Limited petitioned for direct review under the Hobbs Act of Part III.D of the FCC's 2023 Order interpreting the Telephone Consumer Protection Act's prior-express-consent requirement.
Standard of review
Under the Hobbs Act, the court reviewed the FCC's action under the Administrative Procedure Act. The scope of the FCC's statutory authority and whether the agency acted within that authority were reviewed independently as legal questions.
Precedential value
published and precedential
Parties
Insurance Marketing Coalition Limited v. Federal Communications Commission, United States of America
Disposition
vacated

Topics

judicial review of agency actionadministrative lawstatutory interpretationplain meaning ruleconsumer protection

Practice areas

administrative lawtelecommunications lawconsumer protectionstatutory interpretation

Questions Presented

  1. Whether the FCC exceeded its statutory authority under the TCPA by imposing one-to-one-consent and logically-and-topically-related restrictions on prior express consent for telemarketing and advertising robocalls and robotexts.
  2. Whether Part III.D of the FCC's 2023 Order violated the First Amendment.
  3. Whether Part III.D was arbitrary and capricious under the APA because it lacked an adequate factual basis, failed to respond meaningfully to material comments, and failed to justify its effects on small businesses.
  4. Whether vacatur was the appropriate remedy if Part III.D exceeded the FCC's statutory authority.

Holdings

  1. The FCC exceeded its statutory authority by categorically requiring a consumer to consent separately to robocalls from each individual seller. A consumer may give prior express consent to receive robocalls from multiple entities if the consumer clearly and unmistakably states, before the calls, a willingness to receive them.
  2. The FCC exceeded its statutory authority by requiring consented-to telemarketing and advertising robocalls to be logically and topically associated with the interaction that prompted consent. Clear and unmistakable prior consent is not categorically invalid merely because the call's subject matter is unrelated to the website or interaction through which consent was given.
  3. Vacatur and remand were appropriate because Part III.D seriously exceeded the FCC's statutory authority.

Key quotations

To “implement” means “[t]o complete, perform, carry into effect (a contract, agreement, etc.); to fulfil[l] (an engagement or promise).” (Opinion at 12-15)
Thus, our cases show that to give “prior express consent” to receive a robocall, one need only “clearly and unmistakably” state, before receiving the robocall, that he is willing to receive the robocall. (Opinion at 18)
The FCC therefore exceeded its statutory authority in redefining “prior express consent” to include the additional “prior express consent” restrictions. (Opinion at 24)
In its attempt to “implement” the TCPA, the FCC overstepped statutory boundaries. (Opinion at 26)

Factual background

Insurance Marketing Coalition Limited is a consortium representing insurance-industry stakeholders, including lead generators, merchants, and consumers. Lead-generation and comparison-shopping websites collect consumer information and obtain consent to contact consumers through affiliated or partner businesses, often selling leads to matched merchants or aggregators. The FCC's 2023 Order restricted consent for telemarketing and advertising robocalls by requiring consent to calls from only one identified seller at a time and limiting calls to subject matter logically and topically associated with the interaction that prompted consent.

Procedural history

The FCC promulgated Part III.D of its 2023 Order, imposing one-to-one and logically-and-topically-related restrictions on prior express consent for telemarketing and advertising robocalls and robotexts. IMC sought review in the Eleventh Circuit, challenging the rule under the TCPA, the First Amendment, and the Administrative Procedure Act. The court granted the petition on the statutory-authority ground, vacated Part III.D, and remanded without reaching the constitutional or arbitrary-and-capricious claims.

Remand instructions

Vacate Part III.D of the FCC's 2023 Order and remand for further proceedings.

Court Document

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