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MI

Telecom Compliance Reference — Updated January 2018

Private Right of Action

Calling Hours

9:00 AM–9:00 PM

Min Penalty

$5,000

Registration

Required

OverviewCalling HoursConsentRegistrationDNCEnforcementCase LawLegislation

Insurance Telemarketing Compliance in Michigan

Insurance agency telemarketing and lead generation compliance in Michigan

Guide last reviewed: January 2024

Michigan Insurance Overview

Insurance telemarketing in Michigan is complicated by the 3-call-per-year limit. During Medicare AEP, when call volumes spike, exceeding that limit for the same prospect is trivially easy without rigorous tracking systems. The 9 AM start time also cuts into morning calling hours that national campaigns rely on. DIFS licensing + LARA telemarketing registration = dual regulatory compliance. Manual dialing to non-DNC numbers remains viable for prospecting within the 3-call limit.

Penalty/Violation

$5,000

Willful

$25,000

Calling Hours

9:00 AM–9:00 PM

Stricter than federal

Private Suit

Allowed

Compliance Checklist

✓Register with Michigan LARA as telephone solicitor if cold calling prospects,Michigan Department of Insurance and Financial Services (DIFS) license required — separate from telemarketing,Calling hours: 9:00 AM – 9:00 PM — one hour later than federal,No calling on legal holidays,Maximum 3 calls per year to same person on same subject — critical for Medicare AEP campaigns,Scrub Michigan DNC + federal NDNC before every campaign,Prior express written consent for automated calls to cell phones under federal TCPA,Licensed agents calling existing policyholders about current policies have partial registration exemption,Medicare/Medicaid: CMS marketing rules apply during AEP/OEP,Honor opt-out requests — remove within 10 business days,FCC one-to-one consent rule (Jan 2025) makes purchased health insurance leads with bundled consent unusable

What Gets Companies Sued

✗Top Michigan violations for insurance: (1) Exceeding 3-call limit during Medicare AEP — high-volume campaigns hit this fast; (2) Calling before 9 AM; (3) Auto-dialing Medicare leads without written consent; (4) Operating without LARA telemarketing registration; (5) Holiday calling during AEP/OEP periods.

Special Exemptions

Licensed insurance agents calling existing policyholders about current policies have partial exemption. Does not cover cold calling leads or pitching new products. 3-call limit still applies.

Key State Rules

Mini-TCPANo
RegistrationRequired
Class ActionsAllowed
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 →