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Hawaii

HI

Telecom Compliance Reference — Updated January 2023

TCPA Standard

Calling Hours

8:00 AM9:00 PM

Min Penalty

$500

Registration

Required

Insurance Telemarketing Compliance in Hawaii

Insurance agency telemarketing and lead generation compliance in Hawaii

Guide last reviewed: January 2025

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

$500

Willful

$10,000

Calling Hours

8:00 AM9:00 PM

Private Suit

No

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 — FCC one-to-one rule (Jan 2025),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-TCPANo
RegistrationRequired
Class ActionsNot specified

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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 →