TCPA Lawsuit: What the Law Pays and Which Settlements Are Open Now
Reference Guide
A TCPA lawsuit is a claim under the federal Telephone Consumer Protection Act of 1991 over robocalls, prerecorded messages, autodialed texts or telemarketing to numbers on the Do Not Call Registry. The statute sets $500 per violation, and a court may triple that if the violation was willful or knowing. Most cases end as a TCPA class action settlement that pays far less per person. As of October 2026, two are still taking claims: Teleflora (deadline November 17, 2026) and Coast Dental (deadline December 24, 2026).
Questions about this case?
AI Legal Assistant · free · answers in seconds · general information, not legal advice
Independent information service: Settlement Insight is not the settlement administrator, is not affiliated with or endorsed by any company named on this page, and is not a law firm. Submitting this form does not file a claim — it shares your information with our participating legal intake partners, who may contact you about your options.
What a TCPA Class Action Lawsuit Claims
Almost every TCPA class action lawsuit rests on one of three rules.
Robocalls and autodialed texts without consent. Under 47 U.S.C. § 227(b), it is unlawful to call a cell phone using an automatic telephone dialing system or an artificial or prerecorded voice without the called party’s prior express consent. Wrong-number cases fit here: the person who consented is not the person who now has the number.
Do Not Call and stop requests. Under § 227(c)(5), a person who received more than one telemarketing call within any 12-month period from the same company in violation of the FCC’s rules can sue. The FCC rule says Do Not Call registrations “must be honored indefinitely.”
Quiet hours. The same FCC rule, 47 C.F.R. § 64.1200(c), bars telephone solicitation before 8 a.m. or after 9 p.m. in the called party’s local time.
In every case these are allegations; defendants routinely deny them, and the settlements below say so.
Case details
Three court rulings shape what a TCPA lawsuit can win today.
Facebook, Inc. v. Duguid, No. 19-511, decided April 1, 2021: the Supreme Court held that an “autodialer” must have the capacity to store or produce numbers “using a random or sequential number generator.” Texts sent from an ordinary customer list usually fall outside that definition, which is why many newer cases plead Do Not Call or stop-request violations instead.
Insurance Marketing Coalition v. FCC, No. 24-10277, decided January 24, 2025: the Eleventh Circuit vacated the FCC’s planned “one-to-one consent” rule for lead-generation calls.
McLaughlin Chiropractic Associates v. McKesson, No. 23-1226, decided June 20, 2025: the Supreme Court held that district courts “must independently determine the law’s meaning” and are not bound by the FCC’s reading of the TCPA. FCC interpretations that once settled questions can now be argued again case by case.
TCPA claims can be brought in state or federal court. The federal catch-all limitations period for statutes like this one is 4 years (28 U.S.C. § 1658(a)).
Status: TCPA Settlements in the News, October 2026
Coast Dental — open. Chaviano v. Coast Dental Services, LLC, Case No. 2026-013610-CA-01, also in Miami-Dade County. The lawsuit alleges texts and calls continued after people asked them to stop. The opt-out and objection deadline is October 30, 2026; the claim deadline is December 24, 2026; the hearing is December 9, 2026. Cash or voucher choice explained in our Coast Dental report. Official site: cdstcpasettlement.com.
Concora Credit — claims closed. Seals v. Concora Credit Inc., No. 3:25-cv-00728-AN, U.S. District Court for the District of Oregon, over prerecorded calls to cell phones of people who were not Concora customers. Claims closed October 19, 2026; the final fairness hearing is November 24, 2026. Details in our Concora report.
O’Reilly Automotive — claims closed September 28, 2026, final approval hearing November 5, 2026: see our O’Reilly page. Saks — lawsuit only, no settlement and no claim form: see our Saks report.
Are You in a TCPA Class Action?
Each TCPA settlement defines its own class by company, phone number and date range — not by whether you found calls annoying. Concora’s class, for example, covers non-customers whose cell phones received a prerecorded Concora call between May 2, 2021 and May 31, 2026.
The practical test is the notice. In TCPA cases the company’s own call or text logs identify class members, so the administrator usually sends a postcard, email or text to the number involved. If you received one, keep it: it carries the details that tie you to the class.
If you received no notice but recognize the calls, the official settlement website explains how to ask whether your number is covered. Do this before the claim deadline — a TCPA settlement pays only people who file.
What a TCPA Settlement Actually Pays
Concora shows the arithmetic. The total is $9,375,000: $1,000,000 goes to a compliance program and $8,375,000 into the fund. Attorneys’ fees of up to $3,000,000 and notice and administration costs of up to $340,000 come out of that fund. The notice estimates $250 to $650 per approved claimant.
Teleflora caps payments at $251. Our report says Coast Dental pays up to $59 in cash or a $99 voucher. Our Cash App page shows a finished case: $394.36 per accepted claim. None of these figures is a promise — payments arrive only after final approval and any appeals.
How cases like this one end
Our copy of the federal courts’ own case database covers 8,509 federal civil cases of this typeclosed in U.S. federal district courts between 2015 and 2026, 44.5% of them filed as class actions:
- 31.8% ended in a settlement recorded by the court. Another 45.2% were dismissed voluntarily, which often follows a private settlement — so the real settlement share sits between 31.8% and 77%.
- 1.6% were decided on a motion before any trial.
- 1 in 1,216 reached a trial (0.1%), after a median of 27.8 months.
- Median time from filing to the end of the case: 4.1 months.
- Only 98 of them (1.2%) record a money award at all; the median of those is $40,000.
These are base rates for this type of case — not a prediction about this lawsuit, and not legal advice. Source: Federal Judicial Center, Integrated Database (civil), analysed by Settlement Insight. Cases heard in state courts are not included.
TCPA Timeline: The Rulings and the Deadlines
April 1, 2021 — Supreme Court Narrows Autodialer
Facebook v. Duguid (No. 19-511): an autodialer must use a random or sequential number generator. Many text-message cases shift to Do Not Call theories.
January 24, 2025 — One-to-One Consent Rule Vacated
The Eleventh Circuit (No. 24-10277) strikes the FCC rule that would have required separate consent for each caller.
June 20, 2025 — Courts Freed From FCC Readings
McLaughlin v. McKesson (No. 23-1226): district courts decide for themselves what the TCPA means.
October 19, 2026 — Concora Claims Close
Last day to claim in Seals v. Concora Credit. Final fairness hearing set for November 24, 2026.
November 17, 2026 — Teleflora Deadline
Claim, opt-out and objection deadline in Carter v. Teleflora. Final approval hearing set for November 25, 2026.
December 24, 2026 — Coast Dental Deadline
Claim deadline in Chaviano v. Coast Dental Services, after a December 9, 2026 hearing. Opt-outs and objections are due October 30, 2026.
Three Things to Watch For
TCPA notices arrive by text and postcard to the same phone number the case is about, which makes them easy to copy:
A text with a link to “claim your TCPA settlement”
Real administrators do text notices in TCPA cases, so do not click the link. Type the official address from the court notice yourself, or find the case on our open settlements list and compare.
A caller who asks for a fee or your bank login
A settlement payment is paid out of the fund after court approval. No administrator charges you to release it or needs your online banking password. The FTC notes the Do Not Call Registry does not stop scammers, so expect fake “settlement” calls too.
“Sue for $1,500 per call” sign-up offers
$1,500 is the maximum for a willful violation, decided by a judge, not a guaranteed price per call. Signing a retainer is a real legal choice; read what you sign before treating it as a registration form.
TCPA Lawsuit — Questions People Actually Ask
Short answers to the questions people ask most about this case.
Can I sue for spam calls?
Yes, if the calls broke the TCPA. The statute lets you sue for $500 per robocall or prerecorded call made to a cell phone without consent, and up to $500 per violation if you got more than one telemarketing call within any 12-month period from the same company while on the Do Not Call Registry. A court may triple the award for willful or knowing violations. Calls from scammers you cannot identify are better reported to the FTC than sued over.
How do I know if I am owed money from a class action lawsuit?
In a TCPA class action the administrator works from the company’s call or text records and sends notice to the affected number, by postcard, email or text. Check the official settlement website named in the notice and file before the claim deadline. You can also check our list of open settlements.
Where do I find the TCPA settlement check phone number?
There is no single TCPA settlement check phone number. Each settlement has its own administrator, and its toll-free number is printed on the court notice and the official settlement website. Use the number from those sources, not one from an unsolicited text or call. For check problems, see our guide to settlement check problems.
Which TCPA class action settlement can I still claim?
As of October 23, 2026: Teleflora (claims due November 17, 2026, up to $251) and Coast Dental (claims due December 24, 2026). Concora closed on October 19, 2026 and O’Reilly closed on September 28, 2026.
How long do I have to file a TCPA lawsuit?
The TCPA has no limitations period of its own. Courts generally apply the federal catch-all in 28 U.S.C. § 1658(a): 4 years after the claim accrues. A settlement claim deadline is much shorter and is set by the court in each case.
Is there a lawsuit against T-Mobile right now?
That is a separate question from the TCPA cases on this page, which concern companies calling or texting consumers. For T-Mobile’s own cases, see our T-Mobile lawsuit page.
Does the Do Not Call Registry stop all calls?
No. The FTC says registration is free at DoNotCall.gov or 1-888-382-1222, never expires, and can take up to 31 days to take effect. It stops sales calls from companies that follow the law, not scammers. If a company keeps calling after you ask it to stop, the FTC advises writing down the date you asked.
What is worth doing right now?
Keep any settlement postcard, email or text. Screenshot unwanted calls and texts with dates, and write down when you said “stop.” If you are in the Teleflora or Coast Dental class, file before November 17, 2026 or December 24, 2026 respectively.
About This Information
Editorially Reviewed — Content reviewed for accuracy using published legal research, government data, and verified court records. See our methodology. Reviewed by Leonard Goldberg, Editor · Last updated - $236 billion in real payouts analyzed · See what we found
This page is for general information only and is not legal advice. Lawsuit status, eligibility, and compensation can change. Settlement Insight is not a law firm and does not represent any party. Consult a licensed attorney about your specific situation.
Related Consumer Brand Lawsuits
Other cases and free tools — not about this case.
Similar cases we track
- Open Class Action SettlementsEvery settlement still taking claims, with deadlines
- Settlement Payout CalculatorEstimate a per-person share from fund size and claims
- What a Settlement Check Looks LikeHow to tell a real administrator check from a fake
- Cash App TCPA SettlementA text-message settlement that has already paid out