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Maine

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$10,000

Registration

Required

Overview Calling Hours Consent Registration DNC Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Maine

Insurance agency telemarketing and lead generation compliance in Maine

Guide last reviewed: January 2025

⚠

Mini-TCPA State — 32 M.R.S. § 14716

Maine imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $10,000 per-violation penalties.

Maine Insurance Overview

Insurance telemarketing in Maine follows the standard rules with one key advantage: licensed producers have a clear EBR exemption for existing policyholders. Cold calling new prospects requires manual dialing to non-DNC numbers within the 9 AM–5 PM window. The narrow calling hours are the biggest operational constraint. Automated outreach to prospects requires prior express written consent under federal TCPA.

Penalty/Violation

$10,000

Willful

$10,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Maintain active Maine insurance producer license before any solicitation,Scrub against both Maine DNC and federal DNC lists before each campaign,Restrict calling hours to 9:00 AM – 5:00 PM local time,Identify yourself, your agency, and the insurance company you represent at the start of each call,Comply with 32 M.R.S. § 14716 insurance-specific telemarketing requirements,Obtain prior express written consent before any automated or prerecorded outreach,EBR exemption available for existing policyholders,Do not misrepresent policy terms, coverage, or pricing during solicitation calls,Maintain records of all consent and opt-out requests for at least 5 years,One-to-one consent required for SMS marketing under FCC 2025 rule

What Gets Companies Sued

✗Top violations for insurance in Maine: (1) Unlicensed agents making solicitation calls; (2) Calling outside the 9 AM–5 PM window; (3) Not identifying the insurance company being represented; (4) Using auto-dialers without consent; (5) Failing to honor DNC requests from prospects.

Special Exemptions

Licensed insurance producers calling existing policyholders have an EBR exemption from DNC restrictions. Calls regarding policy renewals, claims, or service to existing customers are generally exempt from solicitation rules.

Key State Rules

Mini-TCPAYes

RegistrationRequired

Class ActionsNot specified

Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Maine

Pine Tree Insurance Marketing

$95,000

Jun 2024

dnc violationrobocalls

ME AG enforced DNC compliance against insurance robocaller.

All enforcement actions in Maine →

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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 →