TCPA and Do Not Call for life agents in plain English

Not legal advice; a producer's map of the rules that end careers when ignored. Get your own counsel for your situation.

Consent. Calling or texting a consumer's cell with an autodialer or prerecorded voice requires prior express consent, and for marketing, prior express written consent that names your business. A lead form that says "I agree to be contacted by an agent" is not the same as one that names you and describes the calls. Read your vendor's consent language.

Do Not Call. Scrub against the national registry and your internal list before dialing. An established business relationship or a written consent can allow a call, but document it. Keep the internal DNC list current the minute someone asks.

Calling hours. Federal window is 8 a.m. to 9 p.m. in the called party's time zone; some states are stricter, some ban Sunday calls.

Texting is calling for these purposes. Same consent, plus opt-out handling.

State rules add licensing of telemarketers, registration, and their own hours and holidays. Where you call from and where the client sits both matter.

Records. Consent, scrub dates, call logs. If it isn't written down, it didn't happen.

The floor's own rule follows from all this: a client's number never appears in a post.