An insurance agency's compliance officer is preparing a quick reference guide for newly licensed producers regarding federal telemarketing regulations. Pair each specific producer action with the correct regulatory timeframe or limit required by the TCPA.
- Making an unsolicited telemarketing call to a prospective client located in a different time zonePermitted only between 8:00 AM and 9:00 PM according to the prospect's local time zone
- Relying on a purchased database of phone numbers for an outbound sales campaignPermitted only if the database has been scrubbed against the National DNC Registry within the past 31 days
- Contacting a former policyholder whose coverage lapsed, assuming their number is on the National DNC RegistryPermitted for a maximum of 18 months from the date their last policy expired or was cancelled
- Calling a consumer who requested a life insurance quote online, assuming their number is on the National DNC RegistryPermitted for a maximum of 3 months from the date they submitted the inquiry
Answer
Unsolicited calls are restricted to 8:00 AM to 9:00 PM (recipient's time). Databases must be scrubbed every 31 days. Past policyholders can be called for up to 18 months. Quote inquiries permit calls for up to 3 months.
Compliance with the Telephone Consumer Protection Act (TCPA) requires applying specific timeframes to different producer activities. Calling windows are strictly 8:00 AM to 9:00 PM in the consumer's time zone. Calling lists must be updated every 31 days. Furthermore, the Established Business Relationship (EBR) exemption to the National DNC Registry varies based on the level of engagement: 18 months for actual transactions or policies, and 3 months for simple inquiries or applications.
Step-by-Step Solution
Key Concept
TCPA Calling Rules and DNC Registry Exemptions