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Hawaii Telecom Compliance Guide

HI

Telecom Compliance Reference · Statute last amended 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

Not yet verified

Registration

Required

OverviewCalling HoursConsentRegistrationDNC ComplianceDNC RegistryEnforcementCase LawLegislation

Insurance Telemarketing Compliance in Hawaii

Insurance agency telemarketing and lead generation compliance in Hawaii

Guide last reviewed: January 2025

⚠

Mini-TCPA State — HRS ch. 481P (§§ 481P-1 to 481P-8)

Hawaii imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face Not yet verified per-violation penalties.

Hawaii Insurance Overview

Insurance telemarketing in Hawaii follows federal TCPA standards with state registration requirements on top. The DCCA requires telemarketing registration even for licensed insurance agents making outbound solicitation calls — your insurance license does not substitute. For Medicare products, CMS marketing rules layer on top of both state and federal telemarketing rules. The practical path: register with DCCA, get written consent for automated outreach, scrub DNC lists, and keep records. Manual dialing to non-DNC prospects remains viable for cold outreach.

Penalty/Violation

Not yet verified

Willful

Not yet verified

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Register with DCCA as telemarketing company if making solicitation calls — insurance license alone is not sufficient for telemarketing,Post $25,000 surety bond,Obtain prior express written consent before automated calls or texts to Hawaii cell phones (federal TCPA),Licensed agents calling existing policyholders about current policy matters may be exempt from telemarketing registration,Scrub Hawaii DNC + federal NDNC before every campaign,Medicare/Medicaid: follow CMS marketing rules during AEP/OEP in addition to TCPA,Do not purchase health insurance leads with shared/bundled consent (the FCC one-to-one rule that would have required this was vacated in January 2025 and never took effect),Honor opt-out requests immediately,Maintain call records and consent documentation

What Gets Companies Sued

✗Top violations for insurance companies in Hawaii: (1) Automated dialing to Medicare leads without written consent; (2) Failing to register with DCCA (assuming insurance license covers telemarketing); (3) Calling DNC-registered numbers; (4) Misleading health insurance enrollment claims during AEP/OEP.

Special Exemptions

Licensed insurance agents calling existing policyholders about current policy matters (renewals, claims, changes) may be exempt from telemarketing registration. This exemption does not extend to cold calling prospects or pitching new products to existing clients.

Key State Rules

Mini-TCPAYes
RegistrationRequired
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 →