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Minnesota

Telecom Compliance Reference — Updated January 2019

Private Right of Action

Calling Hours

9:00 AM–9:00 PM

Min Penalty

$3,000

Registration

Required

Overview Calling Hours Consent Registration DNC Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Minnesota

Insurance agency telemarketing and lead generation compliance in Minnesota

Guide last reviewed: January 2024

Minnesota Insurance Overview

Insurance telemarketing in Minnesota has a unique dynamic: the Department of Commerce handles both insurance licensing AND telemarketing registration, which means dual compliance under one agency. The Sunday blackout is particularly painful during Medicare AEP when every calling hour matters. Licensed agents with existing policyholders have narrow exemptions, but prospecting campaigns need full compliance. The Consumer Fraud Act treble damages provision adds significant litigation risk for deceptive insurance solicitation.

Penalty/Violation

$3,000

Willful

$25,000

Calling Hours

9:00 AM–9:00 PM

Stricter than federal

Private Suit

Allowed

Compliance Checklist

✓Register with Minnesota Department of Commerce as telephone solicitor,Minnesota Department of Commerce also handles insurance licensing — dual relationship,Licensed agents calling existing policyholders about current policies have partial registration exemption,Calling hours: 9:00 AM – 9:00 PM,NO calling on Sundays or legal holidays,Scrub Minnesota DNC + federal NDNC before every campaign,Prior express written consent for automated calls to cell phones under federal TCPA,Medicare/Medicaid: CMS marketing rules apply during AEP/OEP,Honor opt-out requests immediately,Consumer Fraud Act applies to deceptive insurance telemarketing — treble damages,FCC one-to-one consent rule (Jan 2025) makes purchased health insurance leads with bundled consent unusable

What Gets Companies Sued

✗Top Minnesota violations for insurance: (1) Calling on Sundays during Medicare AEP — high-pressure period meets total blackout day; (2) Calling before 9 AM; (3) Auto-dialing Medicare leads without written consent; (4) Operating without telemarketing registration (insurance license alone is not sufficient); (5) Misrepresenting policy terms — Consumer Fraud Act treble damages.

Special Exemptions

Licensed insurance agents calling existing policyholders about current policies have partial exemption. Does not cover prospecting or new product pitches. Sunday and holiday prohibitions still apply.

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 →