Real-World Example
Jane signed in with her verified mobile number, but a creditor also imported an email on one of her accounts. Communication Controls prepopulates that email for convenience. Jane must verify it before it becomes her master email or receives email permission.
Visual Flow
How It Should Work
- It should let consumers control email, SMS, and related communication permissions.
- It should verify changed contact details before using them for future messages.
- It should prepopulate a missing email or mobile from the consumer’s own imported accounts when one is available.
- It should keep a prepopulated contact unverified and without permission until its OTP succeeds.
- It should preserve the old verified master contact while a replacement is pending.
- It should verify and enable only the channel that completed OTP.
- It should keep automated campaigns, reminders, and follow-ups aligned with preferences.
How It Should Not Work
- It should not send SMS or email through a channel the consumer has disabled when the feature is required to respect that preference.
- It should not mark new contact details verified without confirmation.
- It should not treat a creditor-imported contact as communication consent.
- It should not replace the master profile when OTP is wrong, expired, or abandoned.
- It should not hide whether communication setup is complete.
Last modified on August 15, 2026
