What is TCPA Compliance?
Telephone Consumer Protection Act (TCPA)
Definition
The Telephone Consumer Protection Act (TCPA) is a federal law enacted in 1991 that restricts telemarketing calls, auto-dialed calls, prerecorded calls, text messages, and unsolicited faxes. It established the National Do Not Call Registry and sets rules for when and how businesses can contact consumers by phone.
Why TCPA Compliance Matters for Insurance
For insurance agencies, TCPA compliance is non-negotiable. Violations can result in fines of $500 to $1,500 per call or text, and class action lawsuits have resulted in multi-million dollar settlements. Insurance call centers must obtain proper consent before using auto-dialers or prerecorded messages, maintain internal DNC lists, and scrub against the federal registry.
Key Points
- Requires prior express written consent for autodialed or prerecorded marketing calls to cell phones
- Establishes the National Do Not Call Registry—telemarketers must scrub lists against it
- Restricts calling hours to 8 AM - 9 PM in the called party's local time zone
- Requires caller identification (name and phone number) on all telemarketing calls
- Mandates an opt-out mechanism during every call
How AgentTech Handles TCPA Compliance
AgentTech Dialer has built-in TCPA safeguards: automatic DNC scrubbing, time-zone-aware calling restrictions, consent tracking, and abandonment rate monitoring (under 3%) for predictive dialing. Every call is recorded and transcribed for compliance documentation.
Frequently Asked Questions
See TCPA Compliance in Action
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The information on this page is supported by the following official and authoritative sources.
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