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Colorado

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$2,000

Registration

Not Required

Overview Calling Hours Consent Registration DNC Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Colorado

Insurance agency telemarketing and lead generation compliance in Colorado

Guide last reviewed: January 2025

⚠

Mini-TCPA State — C.R.S. § 6-1-901 et seq.

Colorado imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $2,000 per-violation penalties.

Colorado Insurance Overview

Insurance telemarketing in Colorado requires dual compliance: the state TCPA (C.R.S. § 6-1-903) and Division of Insurance regulations. Manual dialing to non-DNC prospects is the safest approach. Licensed agents with existing policyholders can rely on EBR for manual calls, but automated outreach always requires written consent. Medicare and health insurance calls face additional federal CMS scrutiny.

Penalty/Violation

$2,000

Willful

$20,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Licensed insurance agents must comply with both TCPA and Colorado Division of Insurance regulations,Manual dialing for cold outreach to non-DNC numbers is the safe channel,Obtain written consent before any automated calling or texting,Colorado requires insurance agents to identify their license status on telemarketing calls,Scrub against both Colorado state DNC list and federal National DNC Registry,Do not misrepresent policy terms, coverage, or pricing on calls — Colorado CPA applies,Honor opt-out requests within 15 days,Maintain consent records for at least 5 years,EBR exemption (18 months) applies to current policyholders for manual calls only

What Gets Companies Sued

✗Common insurance violations: (1) Using auto-dialers to cold-call Medicare-eligible consumers; (2) Misrepresenting policy terms or coverage during calls; (3) Failing to identify as a licensed agent; (4) Calling DNC-registered numbers; (5) Using purchased lead lists with bundled consent for automated outreach.

Special Exemptions

Licensed insurance agents with existing policyholders have an EBR exemption for manual calls. This does NOT extend to automated calling, and it does NOT cover leads who merely requested a quote but did not purchase a policy.

Key State Rules

Mini-TCPAYes

RegistrationNot Required

Class ActionsAllowed

Consent Requirements→Registration Details→DNC List→

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This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →