Tennessee Code Title 47. Commercial Instruments and Transactions § 47-18-2401

Unless otherwise agreed, where unsolicited mail that resembles a check is, upon endorsement by the payee, a loan, the payee is under no duty to repay such loan unless such unsolicited mail has upon its face in boldface letters at least one-half inch ( 1/2 ″) in height the following:

THIS IS A LOAN.