An independent property and casualty producer is organizing a cross-selling campaign to promote a new personal umbrella policy. All individuals on the contact list are registered on the National Do Not Call Registry. Assuming the calls will be placed at 4:00 PM in the recipients' respective time zones, which of the following individuals may the producer legally contact without prior express written consent?
- A current client who purchased a standard renter's insurance policy fourteen months agoAnswer
- BA prospective customer who submitted a web form requesting an auto insurance quote five months ago
- CA former policyholder who canceled their commercial liability coverage twenty months ago
- DA local resident who submitted a quote inquiry two weeks ago but explicitly asked to be added to the agency's internal do-not-call list
Answer
A current client who purchased a standard renter's insurance policy fourteen months ago
The Telephone Consumer Protection Act (TCPA) provides an Established Business Relationship (EBR) exemption, allowing businesses to contact consumers on the National Do Not Call Registry for up to 18 months following their last purchase, delivery, or payment. Since the client purchased a policy fourteen months ago, the producer is legally permitted to make the call.
Step-by-Step Solution
Key Concept
Established Business Relationship (EBR) exemptions and timeframes under the TCPA