Home / States / Iowa

Iowa

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$40,000

Registration

Not Required

Overview Calling Hours Consent Registration DNC Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Iowa

Insurance agency telemarketing and lead generation compliance in Iowa

Guide last reviewed: January 2025

⚠

Mini-TCPA State — Iowa Code § 476.103

Iowa imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $40,000 per-violation penalties.

Iowa Insurance Overview

Insurance telemarketing in Iowa requires AG registration ($50,000 bond), DNC compliance, and Iowa Insurance Division regulatory compliance. The $40,000 per violation civil penalty and Class D felony for fraud make Iowa a state where insurance telemarketing misconduct has serious consequences. EBR provides limited protection for existing policyholders.

Penalty/Violation

$40,000

Willful

$40,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Compliance Checklist

✓Register with IA AG if making outbound sales calls to non-policyholders — $50,000 bond required,Scrub federal DNC before calling,Manual dialing for cold outreach — 8 AM to 9 PM,Identify yourself as a licensed agent and disclose sales purpose,Do not misrepresent policy terms, coverage, or pricing — $40,000 per violation,EBR exemption for current policyholders (manual calls only),Provide 3-day cancellation right on phone-sold policies,Honor opt-out immediately,Medicare and health insurance calls subject to CMS requirements,Fraudulent insurance solicitation is a Class D felony

What Gets Companies Sued

✗Common insurance violations: (1) Auto-dialing Medicare consumers; (2) Not registering with IA AG; (3) Misrepresenting coverage or premiums; (4) Not providing 3-day cancellation right; (5) Fraudulent representations about coverage or benefits.

Special Exemptions

Licensed insurance producers with existing policyholders have an EBR exemption for manual calls. New business calls require full registration and bond compliance.

Key State Rules

Mini-TCPAYes

RegistrationNot Required

Class ActionsNot specified

Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Iowa

Heartland Insurance Marketing

$185,000

Apr 2024

robocallsdnc violation

IA AG settled with insurance marketer for robocall DNC violations.

All enforcement actions in Iowa →

Stay Current

Weekly digest: what changed this week

New enforcement actions, statute updates, and rule changes in Iowa — delivered once a week.

No spam. Unsubscribe anytime. Powered by Brevo.

Need help getting compliant?

Catalyst Partners specializes in telecom compliance for Insurance companies operating in Iowa and across the country. We build the systems, you make the calls.

Book a Compliance Call →

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 →