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Difficulty: EasyNational Do Not Call Registry and TCPA

An individual calls an insurance agency to ask for a quick premium estimate on a life insurance policy, but decides not to apply for coverage. The individual's phone number is currently on the National Do Not Call Registry. Under federal telemarketing regulations, for how long is the agency legally permitted to call this individual back?

  1. For up to three months following the individual's request for informationAnswer
  2. B
    For up to eighteen months following the individual's request for information
  3. C
    For up to thirty-one days after the estimate was provided
  4. D
    Without any time limit since the individual initiated the conversation

Answer

For up to three months following the individual's request for information
Under the Telephone Consumer Protection Act (TCPA) and National Do Not Call Registry rules, an inquiry or application submitted by a consumer creates a limited exception. This exception permits the business to call the consumer for up to three months from the date of the inquiry, regardless of the consumer's presence on the DNC list.

Step-by-Step Solution

1
Identify the consumer's action and relationship status with the agency.
The consumer made a simple inquiry (asked for an estimate) but did not purchase a policy.
Determining the type of interaction is required to apply the correct Do Not Call Registry exception.
2
Apply the Established Business Relationship (EBR) rules under the TCPA.
An inquiry creates a 3-month exemption window.
Federal law specifies that inquiries or applications allow calls for 3 months, whereas an actual transaction or existing client relationship allows calls for 18 months.

Key Concept

Established Business Relationship (EBR) Exceptions to the DNC Registry
Estimated Time:45s
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Topics

National Do Not Call Registry and TCPA

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