solicitations, to consumers who meet certain criteria, but only within limits specified in the act. The FCRA also provides a mechanism by which consumers can elect not to receive such solicitations by directing CRAs to exclude their names and addresses from lists provided by these agencies for sending prescreened solicitations. Consumers who choose to have their names removed from lists used for prescreened solicitations may well still receive offers of credit or insurance by mail or telephone, but such offers will not be based on the credit records maintained by the CRAs. People are able to opt out of receiving any offers from U.S. national credit bureaus. Unsolicited direct marketing mail (a.k.a. "junk mail") In the United States, the Data & Marketing Association's (DMA) Mail Preference Service provides an opt-out service. The consumer's name is added to a "delete" file which is made available to direct-mail marketers. This process does not cover opting out of Bulk Mail also known as Standard mail or Current Resident Mail, which will require opting out on a company by company basis. There is a $2 charge to register online and there is a $3 charge to register by regular mail. There is another service to stop mail to deceased people. Registration will not stop mailings from organizations that are not registered with the DMA. DirectMail.com offers a similar service. Arbitration Some contracts with arbitration clauses have terms that state that a party may reject the arbitration clause within a specified time frame of accepting the contract. See also Privacy and Electronic Communications (EC Directive) Regulations 2003 Robinson list Unclick References Direct marketing