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Difficulty: EasyNational Do Not Call Registry and TCPA

An insurance producer issues a new auto insurance policy to a client whose phone number is listed on the National Do Not Call Registry. The producer wishes to cross-sell a life insurance policy over the phone. Under the Telephone Consumer Protection Act (TCPA) Established Business Relationship (EBR) exemption, what is the maximum time frame the producer may legally call this client after the policy purchase?

  1. 18 monthsAnswer
  2. B
    3 months
  3. C
    31 days
  4. D
    12 months

Answer

18 months
Under federal telemarketing regulations, an Established Business Relationship (EBR) created by a financial transaction, such as the purchase of a policy, permits the business to call the consumer for up to 18 months from the date of that transaction, regardless of the consumer's presence on the National Do Not Call Registry.

Step-by-Step Solution

1
Identify the nature of the relationship between the producer and the consumer.
The consumer purchased an auto insurance policy, which constitutes a completed business transaction.
The type of interaction determines which Established Business Relationship (EBR) timeline applies.
2
Apply the relevant Telephone Consumer Protection Act (TCPA) exemption timeframe.
Federal rules grant an 18-month exemption for a completed transaction.
The FTC regulations stipulate that a transaction-based EBR allows calling a number on the DNC registry for up to 18 months after the purchase.

Key Concept

National Do Not Call Registry Exemption Timeframes
Estimated Time:45s
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Topics

National Do Not Call Registry and TCPA

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