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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

REI Wholesaling Telemarketing Compliance in Iowa

Real estate investor cold calling and SMS 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.REI Wholesaling companies operating here face $40,000 per-violation penalties.

Iowa REI Wholesaling Overview

Iowa is a moderate-to-high risk state due to the $40,000 per violation civil penalty (one of the highest in the country) and the Class D felony provision for fraudulent solicitation. The $50,000 bond requirement is also significant. Practical path for REI wholesalers: (1) Register and bond with IA AG; (2) Manual dialing for cold outreach, scrub federal DNC; (3) Identify yourself and purpose immediately; (4) 3-day cancellation right on all contracts; (5) Build consent before any automated follow-up. The felony provision means Iowa can and does criminally prosecute telemarketing fraud.

Penalty/Violation

$40,000

Willful

$40,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Compliance Checklist

✓Register with Iowa Attorney General Consumer Protection Division — $50,000 surety bond required,Scrub call lists against federal National DNC Registry before every campaign,Manual dialing for cold outreach — calling hours 8 AM to 9 PM,Obtain prior express written consent before any automated calling, texting, or prerecorded messages,Identify yourself, your company, and the purpose at the start of every call,Provide 3-day right to cancel on any contract resulting from telephone solicitation,Honor opt-out requests immediately and maintain internal DNC list,EBR from prior transaction allows manual calling only,Do NOT use auto-dialers, ringless voicemail, or prerecorded messages without consent,Maintain consent records and call logs,Be aware of $40,000 per violation civil penalties — among the highest in any state,Fraudulent telephone solicitation is a Class D felony in Iowa

What Gets Companies Sued

✗Top violations for REI wholesalers: (1) Not registering with IA AG or posting the $50,000 bond; (2) Using auto-dialers or CRM auto-send without consent; (3) Not providing the 3-day cancellation right on phone contracts; (4) Calling federal DNC numbers; (5) Failing to identify purpose at the start of the call.

Special Exemptions

Licensed real estate agents with existing client relationships have an EBR exemption for manual calls. No special REI wholesaling exemption. The $50,000 bond requirement catches many out-of-state callers off guard.

Key State Rules

Mini-TCPAYes

RegistrationNot Required

Class ActionsNot specified

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 →