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Missouri

MO

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$5,000

Registration

Not Required

OverviewCalling HoursConsentRegistrationDNCEnforcementCase LawLegislation

Insurance Telemarketing Compliance in Missouri

Insurance agency telemarketing and lead generation compliance in Missouri

Guide last reviewed: January 2025

⚠

Mini-TCPA State — Mo. Rev. Stat. § 407.1095 et seq.

Missouri imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $5,000 per-violation penalties.

Missouri Insurance Overview

Insurance telemarketing in Missouri requires both a valid insurance producer license and AG registration for telemarketing. The EBR exemption provides clear relief for calling existing policyholders. Cold calling new prospects requires manual dialing to non-DNC numbers. The $5,000/$10,000 per-call penalty structure and the caller ID spoofing prohibition make compliance critical.

Penalty/Violation

$5,000

Willful

$15,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Maintain active Missouri insurance producer license,Register with Missouri AG for telemarketing if making outbound solicitation calls,Scrub against both Missouri No-Call and federal DNC lists,Calling hours: 8:00 AM – 9:00 PM local time,Identify yourself, your agency, and the insurance carrier within 30 seconds,Obtain prior express written consent before automated or prerecorded outreach,EBR exemption available for existing policyholders,Do not misrepresent policy terms, coverage, or pricing,Do not spoof caller ID,Maintain records of consent and opt-out requests,One-to-one consent for SMS marketing under FCC 2025 rule

What Gets Companies Sued

✗Top violations for insurance in Missouri: (1) Unlicensed agents soliciting by phone; (2) Not registering with AG for telemarketing; (3) Misrepresenting policy coverage or terms; (4) Calling No-Call list numbers; (5) Using auto-dialers without consent.

Special Exemptions

Licensed insurance producers calling existing policyholders have EBR exemption. Calls regarding policy renewals, claims, and service are generally exempt. Missouri Department of Commerce and Insurance may impose additional conduct requirements.

Key State Rules

Mini-TCPAYes
RegistrationNot Required
Class ActionsNot specified
Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Missouri

Show-Me State Insurance Leads

$215,000

May 2024

robocallsdnc violation

MO AG settled with insurance lead gen for robocall DNC violations.

All enforcement actions in Missouri →

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Catalyst Partners specializes in telecom compliance for Insurance companies operating in Missouri and across the country. We build the systems, you make the calls.

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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 →