The Lampo Group, the company behind Dave Ramsey’s financial coaching and media brand, is facing a proposed class action settlement tied to marketing text messages allegedly sent without proper consent. In recent years, businesses have leaned heavily on SMS marketing because it’s cheap and effective, but unwanted texts are a common consumer complaint—especially when they arrive without a clear opt-in, come from third-party marketing platforms, or make opting out confusing. The lawsuit was filed under the Telephone Consumer Protection Act (TCPA), a federal law that restricts the use of autodialers and prerecorded messages and requires appropriate consent for many marketing calls and texts. Plaintiffs allege Lampo sent at least one marketing text to people between November 22, 2020 and October 23, 2025 without the legally required permission, and the proposed $1 million settlement reflects both the volume-based risk companies face and the TCPA’s built-in statutory damages structure. If approved, eligible recipients may receive up to $45 without needing proof, which underscores how TCPA cases often prioritize broad, streamlined relief because the key evidence—send logs, consent records, and opt-out tracking—typically sits with the sender and its vendors. More broadly, this case fits a long-running pattern of TCPA class actions targeting brands across retail, finance, and online services for consent and compliance failures in text campaigns. The settlement highlights industry pressure to maintain auditable opt-in records, honor “STOP” requests promptly, and monitor third-party marketers, especially as regulatory scrutiny and evolving court decisions keep reshaping what counts as valid consent and compliant texting practices under the TCPA and related FCC rules.