Does Montana require registration for Insurance telemarketers?

Montana does not require separate telemarketer registration; federal FTC rules still apply.

What is the penalty per violation in Montana?

Up to $500 per violation (or $5,000 for willful violations). Private right of action available.

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Montana Telecom Compliance Guide

Telecom Compliance Reference

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$500

Registration

Not Required

Overview Calling Hours Consent Registration DNC Compliance DNC Registry Enforcement Case Law Legislation

Insurance Telemarketing Compliance in Montana

Insurance agency telemarketing and lead generation compliance in Montana

Guide last reviewed: January 2025

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Mini-TCPA State — Mont. Code Ann. § 30-14-1601 et seq.; Mont. Code Ann. § 30-14-1401 et seq.; Mont. Code Ann. § 45-8-216

Montana imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $500 per-violation penalties.

Montana Insurance Overview

Insurance telemarketing in Montana follows the standard framework. Licensed producers have a clear EBR exemption for existing policyholders. The 10-year DNC record retention is the main state-specific requirement. Cold calling new prospects requires manual dialing to non-DNC numbers within 8 AM–9 PM.

Penalty/Violation

$500

Willful

$5,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Maintain active Montana insurance producer license,Scrub against both Montana DNC and federal DNC lists,Calling hours: 8:00 AM – 9:00 PM local time,Identify yourself, your agency, and the carrier within 30 seconds,Obtain prior express written consent before automated outreach,EBR exemption for existing policyholders,Do not misrepresent policy terms, coverage, or pricing,Maintain DNC records for 10 years,The FCC one-to-one consent rule was vacated in January 2025 and never took effect

What Gets Companies Sued

✗Top violations for insurance in Montana: (1) Unlicensed agents soliciting; (2) Not scrubbing DNC lists; (3) Misrepresenting coverage; (4) Using auto-dialers without consent; (5) Not maintaining 10-year DNC records.

Special Exemptions

Licensed insurance producers calling existing policyholders have EBR exemption. Service-related calls to existing customers are generally exempt.

Key State Rules

Mini-TCPAYes

RegistrationNot Required

Class ActionsNot specified

Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Montana

Big Sky Insurance Marketing

$85,000

Jul 2024

robocallsno consent

MT AG enforced consent requirements against insurance robocaller.

All enforcement actions in Montana →

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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 →