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Maryland

Telecom Compliance Reference — Updated October 2019

TCPA Standard

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$1,000

Registration

Required

Overview Calling Hours Consent Registration DNC Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Maryland

Insurance agency telemarketing and lead generation compliance in Maryland

Guide last reviewed: January 2024

Maryland Insurance Overview

Insurance telemarketing in Maryland operates under dual regulation: the Maryland AG handles telemarketing registration and DNC enforcement, while the Maryland Insurance Administration (MIA) handles insurance licensing and marketing conduct. Licensed agents have narrow exemptions for existing policyholder communications, but prospecting campaigns require full telemarketing compliance. Federal TCPA remains the primary private litigation risk for automated calling. Manual dialing to non-DNC numbers is the safe prospecting channel.

Penalty/Violation

$1,000

Willful

$5,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Compliance Checklist

✓Register with Maryland AG as telephone solicitor if making cold calls to prospects,Maryland Insurance Administration (MIA) license required — separate from telemarketing registration,Licensed agents calling existing policyholders about current policies have limited registration exemption,Scrub Maryland DNC + federal NDNC before every outbound campaign,Prior express written consent required for automated calls and texts to cell phones under federal TCPA,Medicare/Medicaid: CMS rules apply during AEP/OEP in addition to state and federal telemarketing rules,Identify caller, company, and purpose at start of each call,Honor opt-out requests immediately,Maintain internal DNC list,FCC one-to-one consent rule (Jan 2025) makes purchased health insurance leads with bundled consent unusable

What Gets Companies Sued

✗Top Maryland violations for insurance companies: (1) Automated dialing systems calling Medicare leads without written consent; (2) Failing to register with AG while running outbound call campaigns; (3) Health insurance lead aggregators operating without Maryland registration; (4) Not honoring DNC list registrations for insurance prospecting calls; (5) Misrepresenting policy terms during telephone solicitation.

Special Exemptions

Licensed insurance producers calling existing policyholders about their current policies have limited exemption from Maryland telemarketing registration. This does NOT cover prospecting calls to new leads or calls about new products to existing clients.

Key State Rules

Mini-TCPANo

RegistrationRequired

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 →