Written answers

Thursday, 29 May 2025

Department of Finance

Financial Irregularities

Photo of Gerald NashGerald Nash (Louth, Labour)
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43. To ask the Minister for Finance if he is concerned about the impact of financial services-related ‘SMS scams’ on financial services customers; if his Department is in favour of a blanket SMS ‘scam filter’ approach to dealing with this issue of fraud of this nature; if he will outline any engagement his Department has had on the matter with the relevant Government Department and ComReg; and if he will make a statement on the matter. [28128/25]

Photo of Paschal DonohoePaschal Donohoe (Dublin Central, Fine Gael)
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My officials are undertaking a number of actions in the effort to fight payment fraud, at both the national and EU level and are also supportive of recent actions taken by ComReg to develop a SMS Sender ID Registry.

My Department has engaged extensively with both the Department of the Environment, Climate, and Communications and ComReg while working on drafting the National Payments Strategy, which was launched in October of last year.

One of the future outcomes identified by the national payments strategy is to reduce the vulnerability of consumers to fraud perpetrated via telecommunications channels such as SMS messages. In order to achieve this future outcome, the national payments strategy recommends two key actions.

Firstly, all Government departments and bodies under their aegis are to apply for inclusion on ComReg’s “do not originate” list for any phone numbers which aren’t used for outbound communications and the SMS SenderID Registry for any for any alphanumeric SMS headers that are used in Government and public sector communications.

Secondly, the Department of Environment, Climate, and Communications and the Commission for Communications Regulations has committed to exploring and evaluating interventions which can help tackle the issue of SMS scams.

Discussion of a blanket SMS ‘scam filter’ is a policy matter for my colleague the Minister for Environment, Climate, and Communications. However, following a formal decision published in April 2024 ComReg is developing an SMS Sender ID Registry (the Registry) to prevent text scams and to protect the SMS channel as a reliable and trustworthy communications channel. The Registry is a secure repository of:

  • registered SMS Sender IDs,
  • registered Sender ID Owners (SIDOs).
  • Participating Mobile Service Providers (MSPs) and,
  • Participating Aggregators (PAs).
Participants must adhere to the rules of operation of the Registry. The online portal for the Registry is under development and is anticipated to launch in Q2 2025 while SMS Aggregators and Mobile Service Providers were able to pre-register their business customers’ existing SMS Sender IDs in bulk from 4 February 2025 to 25 February 2025.

From 3 July 2025, SMS with unregistered Sender IDs will be labelled “Likely Scam” to alert the recipient that the SMS may not be legitimate and from 3 October 2025, SMS messages with unregistered SMS Sender IDs will be blocked and those text messages will not reach consumers.

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