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Regulatory & Compliance

TrustedForm

A consent-capture product from ActiveProspect that records a video-like replay of a consumer's interaction with a lead form as evidence of TCPA consent.

Also known as: ActiveProspect TrustedForm

Full Definition

TrustedForm, operated by ActiveProspect, is the insurance industry's most widely used TCPA consent documentation product. When a consumer submits a lead form, a TrustedForm script on the page captures a certificate that includes the page URL, form HTML, a session replay of the consumer's scroll and click behavior, IP address, geolocation, timestamp, user agent, and the consent language visible at submission. The certificate is stored for five years and can be "claimed" by buyers to lock evidence before resale. In TCPA litigation, a TrustedForm certificate is the primary exhibit used to demonstrate that a specific consumer, on a specific device, saw specific consent language at a specific time. Most carriers and lead networks require TrustedForm or Jornaya on all inbound web leads.

Example

An agency sued under TCPA by a consumer who claims they never consented retrieves the TrustedForm certificate for the lead, which shows a 47-second session replay of the consumer scrolling the form, reading the consent disclosure, and clicking submit at 3:02 PM from a Comcast IP in Tampa. The case settles.

How Agents Apply This

To use TrustedForm effectively, agents should "claim" certificates on every lead they purchase — claiming locks the certificate against the buyer's ActiveProspect account within the 72-hour post-submission window and prevents later deletion. Most agencies integrate claiming directly into their CRM ingest webhook so it happens automatically at delivery. Keep claimed certificate URLs in the lead record for a minimum of four years. When evaluating a lead vendor, request 5 random TrustedForm certificates from recent leads and actually watch the session replays — a certificate that shows a consumer scrolling through disclosure language for 15+ seconds is strong evidence; a certificate showing a sub-2-second submission is a red flag for form-fill fraud or incentivized traffic.

Related Terms

  • Prior Express Written Consent (PEWC)A TCPA-defined standard of consent requiring a signed, written agreement that clearly authorizes autodialed or prerecorded marketing calls and texts.
  • TCPA (Telephone Consumer Protection Act)U.S. federal law restricting telemarketing calls, autodialed calls, prerecorded messages, and text messages without prior express written consent.
  • Jornaya LeadIDA competing consent-capture product (now part of Verisk) that generates a unique LeadID token documenting the consumer's interaction with a lead form.

Where This Applies on InsureLeads

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