Do-Not-Call

How long must telemarketers retain records of their customers and the do not call registry?

24 months

Telephone Consumer Protection Act (TCPA)

Allows consumers to restrict unwanted sales calls from coming into their homes Applies to any business or individual engaged in the practice of telemarketing

What is the $ penalty for violating the do not call list requirements?

$43,280 per violation Each call is considered a seperate violation

How long are creditors permitted to contact consumers in which they have an established relationship with?

18 months

How long are creditors permitted to contact consumers that have inquired about a product?

90 days

At which times are telemarketers not allowed to call consumers?

Before 8am or after 9pm , consumers time

Do not call creditor requirements: A. Must retain records for 24 months B. Must provide the identity of the caller C. Creditor must access the do not call registry every 31 days D. All of the above

D

An _______ ________ is when a consumer has completed a financial transaction with a creditor. You may contact the, within a period of __________ months.

Established relationship; 18 months

How often must telemarketers access the do not call registry?

Every 31 days

T/F The penalty for violation DNC is 12x per violation each day is considered a seperate violation

False; $43,280

What must telemarketers provide?

Identity of caller, fact that the purpose of the call is to sell goods/services, nature of the good/service being sold, assurance that no purchase or payment is required to participate in any type of promotion

T/F: Provisions of TCPA do not apply if the consumer has an established relationship

True

AN established relationship is:

When a consumer has completed a financial transaction with a creditor