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Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

10:00 AM–9:00 PM

Min Penalty

$500

Registration

Not Required

OverviewCalling HoursConsentRegistrationDNCEnforcementCase LawLegislation

Debt Collection Telemarketing Compliance in Kentucky

Debt collection calling compliance — FDCPA plus TCPA in Kentucky

⚠

Mini-TCPA State — KRS § 367.46951 et seq.

Kentucky imposes stricter consent and calling requirements than federal TCPA.Debt Collection companies operating here face $500 per-violation penalties.

Penalty/Violation

$500

Willful

$10,000

Calling Hours

10:00 AM–9:00 PM

Stricter than federal

Private Suit

Allowed

Compliance Checklist

✓Comply with both FDCPA and TCPA — they overlap but differ
✓Do not call before 8 AM or after 9 PM local time
✓Do not call more than 7 times in 7 days per debt
✓Obtain prior express consent to call cell phones
✓Scrub numbers that have requested no further contact
✓Provide validation notice within 5 days of first contact
✓Honor cease-communication requests immediately in writing
✓Do not use obscene language or threats
✓Identify yourself as a debt collector on every call
✓Check if state has its own debt collection act

What Gets Companies Sued

✗Calling outside FDCPA time restrictions
✗Exceeding call frequency limits
✗Calling cell phones without consent
✗Failing to identify as debt collector
✗Ignoring cease-communication requests

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 →