Stop-Ledger

A log of every text-message opt-out a small business receives, with the deadline to honor each one.

Date: 2026-11-05 Form factor: web app Status: Prototype

What it is

Stop-Ledger reads the replies that come back from a business's text campaigns and flags the ones that read as opt-outs. That includes "STOP", but also "please stop texting me about sales" and "wrong number, leave me alone". Each opt-out gets a 10-business-day clock, a suggestion for which lists it covers, and a one-click suppress button.

Who it serves

The owner or office manager of a small clinic, salon, gym or home-services shop that texts appointment reminders and promotions through a basic SMS tool. They know "STOP" has to work. They are less sure what to do with a free-text "I'm done with these", or whether an opt-out on promos also has to stop reminders. Today that is handled by whoever happens to read the inbox.

Why it could be profitable

Model: flat monthly subscription for small businesses (something like $29–$79 depending on message volume), with a higher tier for agencies running several client accounts. It would sit alongside an existing SMS provider, not replace it.

The timing: the FCC's 2024 order says consumers can revoke consent to calls and texts by any reasonable means, and that revocations must be honored within 10 business days. Per a National Law Review report dated 2026-01-07, the "revoke-all" part (an opt-out on one message applies to all of that sender's automated messages) was pushed to 2027-01-31, while the other parts were already in effect. TCPA claims are a familiar litigation risk for small senders, which is the reason someone might pay for this.

The thin spots: I did not verify the penalty figures or the current litigation volume, so the size of the market is a guess. Many SMS platforms already handle the plain STOP keyword, so the product only matters for free-text opt-outs, cross-list scope and audit records. Whether owners will pay for that, instead of treating it as a settings page in their existing tool, is untested. This is not legal advice and a real product would need a lawyer reviewing the rules engine.

Form factor & scope

Web app. The prototype is a single page with a canned inbox and a keyword matcher. It has no SMS integration.

How to run it

1. Open index.html in any modern browser.
2. Opening from file:// uses a small embedded fallback dataset. To see the full 12-message set from sample-data.json, serve the folder (for example python3 -m http.server).
3. Toggle "Simulate revoke-all" to see the scope text change, and type into "Test a reply" to try your own wording.

What's in this prototype

• Reply inbox with opt-out detection, filterable by all / opt-outs / not yet suppressed / overdue
• Deadline math: 10 business days from receipt, skipping weekends and listed holidays, measured against a fixed demo date of 2026-11-05
• Status tags (suppressed, days left, overdue) and a Suppress button that moves a number to the suppression list
• Scope hint per opt-out, which changes under the revoke-all toggle, and a "scoped request" flag for messages like "stop the reminders but I still want promos"
• Reply tester for checking phrasing

Roadmap

• Import from common SMS providers' exports or webhooks
• Better intent detection than a keyword list, with a human-review queue for ambiguous replies
• Exportable audit trail showing when each opt-out was received and honored
• Quiet-hours and consent-record checks before a campaign sends
• Multi-client view for agencies

Sources

• https://natlawreview.com/article/breaking-fcc-pushes-back-tcpa-consent-revocation-rule-new-effective-date-now — revoke-all delayed to 2027-01-31; other revocation parts already in effect (article dated 2026-01-07)
• https://www.lewissilkin.com/insights/2026/08/10/the-consumer-law-revolution-continues-spring-forward-spring-back-subscription-102ngsk — context on consumer-messaging and subscription rules tightening in the UK from January 2027 (adjacent, not the basis of this prototype)