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I haven’t had any luck finding anything specific to this service. Are you aware of any guidelines or regulations we must follow? Thank you.
I’m not aware of any guidance on this particular area. The most recent information I know of regarding internet/mobile banking in general is the FFIEC guidance update linked here: https://ithandbook.ffiec.gov/media/153051/04-27-12_fdic_combined_fil-6-28-11-auth.pdf. Also there is an FDIC notice from 2011 that address mobile banking in general linked here: https://www.fdic.gov/regulations/examinations/supervisory/insights/siwin11/mobile.html.
I don’t think either one of these specifically address what you are looking for but may provide some good information to consider. I believe it is customary to inform the customer that text fees may apply (even though not assess by the bank, it is a good idea to disclose this so they aren’t surprised when they see text fees on their phone bill).
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