TLD Blogs

The Telephony Network as a Multi-Leg Relay Race

The Telephony Network as a Multi-Leg Relay Race by Alexander Conroy Understanding why certain call information, like the presence of a third party, is invisible to a downstream carrier requires viewing the telephone network as a high-stakes, multi-leg relay race.In this model, each carrier, platform, or even an internal enterprise phone system represents a runner […]

Will Obamacare Subsidy Extensions Pass?

The Looming Health Care Cliff: Will Obamacare Subsidies Be Saved, or Replaced? For more than a decade, the Affordable Care Act (ACA), often called Obamacare, has been a pillar of the American health care system—and a constant flashpoint in Washington. Today, the debate over the law is focused on two interconnected battles: the immediate need […]

December 2025 Restricted Call Dates

  Stay Compliant with December 2025 Calling Restrictions Maintaining TCPA and DNC compliance is essential for protecting your business and preserving customer trust. Certain holidays restrict or limit outbound calling activity at the state level.Below is a list of restricted call dates for December 2025 to help you plan compliant outreach. December 2025 Restricted Call […]

ACA Tax Credits & Rising Health Costs

The ACA Tax Credit Fight and Rising Health Costs: What Insurance Agencies Need to Know The debate over ACA tax credits and rising health costs is reshaping the landscape for health insurance agencies and brokers. New national polling shows strong public support for extending Affordable Care Act marketplace tax credits, while congressional leaders are warning […]

FCC TCPA STOP Rule Update 2025

FCC TCPA STOP Rule Update 2025: What Businesses Need to Know We’ve all gotten those unwanted marketing texts — and the one word we use to make them stop is “STOP.” Under the Telephone Consumer Protection Act (TCPA), that simple command has been a core consumer right for years. Now, the Federal Communications Commission (FCC) […]

ACA Premiums Could Double Without Action

ACA Marketplace Premium Increases 2026 — Why They Matter The ACA Marketplace Premium Increases 2026 are shaping up to be one of the most significant cost shifts in Affordable Care Act history. Without congressional action to extend current subsidies, ACA marketplace premiums could more than double next year. According to Scripps News and the Associated […]

Texas SB 140: What Businesses Must Know

What Every Business Marketing to Texas Needs to Know as of September 1, 2025 If your business markets to consumers in Texas—by phone, text, or multimedia message—big changes are coming. On September 1, 2025, Texas Senate Bill 140 (SB 140) took effect. This new law updates telemarketing rules and expands compliance requirements for any company […]

ACA Open Enrollment 2025: Subsidy Uncertainty Looms

Open enrollment under the Affordable Care Act (ACA) officially opened on Saturday, but it has begun against a backdrop of policy uncertainty: Congress has not yet acted to extend the enhanced subsidies that currently help millions afford their coverage. Healthcare Dive These expanded premium tax credits—first introduced under the American Rescue Plan Act and later […]

November 2025 Restricted Call Dates

Stay Compliant with November 2025 Calling Restrictions Maintaining TCPA and DNC compliance is essential for protecting your business and preserving customer trust. Certain holidays restrict or limit outbound calling activity at the state level.Below is a list of restricted call dates for November 2025 to help you plan compliant outreach. November 2025 Restricted Call Dates […]