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Difficulty: MediumNational Do Not Call Registry and TCPA

A brokerage is updating its internal training manual on federal telemarketing compliance. Link the specific producer activities and regulatory duties on the left to their legally mandated timeframes on the right.

  • Following up with a prospect who requested an auto insurance quote onlinePermitted for up to 3 months from the request date
  • Updating the agency's call list to remove newly registered DNC numbersMust be completed at least every 31 days
  • Contacting a former client whose homeowner's policy expiredPermitted for up to 18 months from the expiration date
  • Conducting outbound cold calls to residential neighborhoodsRestricted to between 8:00 a.m. and 9:00 p.m. recipient local time

Answer

Quote request matches to 3 months; List update matches to 31 days; Expired policy matches to 18 months; Cold calling matches to 8:00 a.m. - 9:00 p.m.
Compliance with federal telemarketing laws depends on strict adherence to mandated timeframes. Outbound calls are only permitted from 8:00 a.m. to 9:00 p.m. recipient time. To maintain DNC compliance, internal lists must be scrubbed against the national database every 31 days. Finally, Established Business Relationship (EBR) rules provide specific exemptions: 3 months for inquiries (like quote requests) and 18 months for transactions (like an expired policy).

Step-by-Step Solution

1
Evaluate the rule for general cold calling.
Calls must be made between 8:00 a.m. and 9:00 p.m. in the recipient's local time zone.
The TCPA sets these standardized calling hours to prevent unreasonable household disturbances.
2
Identify the National DNC Registry synchronization requirement.
The agency must update its lists every 31 days.
This mandatory 31-day scrub cycle ensures businesses respect consumers who have recently joined the registry.
3
Determine the correct Established Business Relationship (EBR) timeframe for inquiries.
A quote request allows a 3-month contact window.
An inquiry indicates interest but does not constitute a full transaction, hence the shorter exemption.
4
Determine the correct Established Business Relationship (EBR) timeframe for former clients.
An expired or canceled policy allows an 18-month contact window.
A completed transaction (like having an active policy) provides a longer 18-month exemption for follow-up communications.

Key Concept

TCPA and National Do Not Call Registry Timeframes
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Topics

National Do Not Call Registry and TCPA

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