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New Hampshire

NH

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$10,000

Registration

Required

OverviewCalling HoursConsentRegistrationDNCEnforcementCase LawLegislation

Insurance Telemarketing Compliance in New Hampshire

Insurance agency telemarketing and lead generation compliance in New Hampshire

Guide last reviewed: January 2025

⚠

Mini-TCPA State — N.H. Rev. Stat. Ann. § 359-E

New Hampshire imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $10,000 per-violation penalties.

New Hampshire Insurance Overview

NH insurance telemarketing is moderate-risk. The mini-TCPA focuses on automated calls to residential lines. Licensed agents have some EBR coverage for existing policyholders. Manual dialing remains viable for cold prospecting non-DNC numbers. The key risk is automated outreach without consent — the AG can pursue $10,000 per violation under the Consumer Protection Act. Medicare agents face dual regulation: NH state rules plus CMS marketing requirements.

Penalty/Violation

$10,000

Willful

$10,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Register with NH DOJ Consumer Protection Bureau if making telemarketing calls,NH insurance license does not substitute for telemarketing registration,Prior consent required for automated calls and prerecorded messages to residential lines,Scrub NH state DNC + federal NDNC before every campaign,Display accurate caller ID on every call,Medicare/Medicaid: follow CMS marketing rules in addition to state and federal telemarketing laws,FCC one-to-one consent rule (Jan 2025): purchased lead lists with bundled consent are not viable for automated outreach,Manual dialing to non-DNC numbers is viable for live cold calling with proper disclosure,Licensed agents calling existing policyholders about current policies may qualify for EBR exemption,Honor opt-out requests immediately,Maintain consent records for compliance audits

What Gets Companies Sued

✗Common violations: (1) Automated dialing to residential lines without consent; (2) Using purchased Medicare/health leads with bundled consent for automated outreach; (3) Failure to scrub NH state DNC list; (4) Robocalling final expense leads to residential numbers; (5) Not registering as telemarketer while making solicitation calls.

Special Exemptions

EBR exemption for existing policyholders within 18 months. Licensed agents calling about existing policies have some exemption coverage. B2B exemption for commercial insurance solicitation to business lines.

Key State Rules

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

Insurance Enforcement in New Hampshire

Granite State Insurance Leads

$125,000

May 2024

dnc violationno consent

Insurance lead generator fined for calling NH DNC registrants.

All enforcement actions in New Hampshire →

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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 →