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Question

Difficulty: MediumNational Do Not Call Registry and TCPA

Match each federal telemarketing regulatory parameter with its correct requirement under the TCPA and National Do Not Call Registry rules.

  • Required frequency for an insurance agency to synchronize its calling lists with the National Do Not Call RegistryAt least once every 31 days
  • Established Business Relationship (EBR) limit for calling a consumer following a submitted application or inquiryUp to 3 months following the consumer's request
  • Established Business Relationship (EBR) limit for calling a former client after their policy expires or is canceledUp to 18 months following the last transaction
  • Permissible daily window for outbound telemarketing calls without prior express consentBetween 8:00 AM and 9:00 PM in the consumer's time zone

Answer

The synchronization frequency is 31 days. The EBR limit for inquiries is 3 months, while the EBR limit for past transactions is 18 months. The permissible calling window is 8:00 AM to 9:00 PM recipient local time.
Each timeframe directly corresponds to specific statutory provisions of the TCPA and National Do Not Call rules governing lawful telemarketing conduct and exemptions.

Step-by-Step Solution

1
Identify the standard scrub cycle for the National Do Not Call Registry.
The registry must be updated at least once every 31 days.
This is a direct statutory requirement under federal telemarketing rules to ensure newly added consumer numbers are not called.
2
Determine the time limits for the Established Business Relationship (EBR) exemptions.
Inquiries or applications grant a 3-month calling window, whereas previous transactions or policy expirations grant an 18-month calling window.
The TCPA creates two distinct EBR durations to balance consumer privacy with legitimate business follow-ups.
3
Identify the legally permissible calling hours for telemarketing.
Calls may only be placed between 8:00 AM and 9:00 PM based on the consumer's local time zone.
The federal rules set standard daytime and early evening hours to prevent abusive or harassing calls late at night or early in the morning.

Key Concept

National Do Not Call Registry timeframes and TCPA calling restrictions
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Topics

National Do Not Call Registry and TCPA

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