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New Jersey

Telecom Compliance Reference — Updated January 2022

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$10,000

Registration

Required

Overview Calling Hours Consent Registration DNC Enforcement Case Law Legislation

REI Wholesaling Telemarketing Compliance in New Jersey

Real estate investor cold calling and SMS compliance in New Jersey

Guide last reviewed: January 2025

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Mini-TCPA State — N.J. Stat. Ann. § 56:8-126 et seq.

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

New Jersey REI Wholesaling Overview

New Jersey is a registration-heavy state — the $20,000 bond and formal registration requirement with the Division of Consumer Affairs is a real barrier that many operators skip at their peril. The NJ AG and Division of Consumer Affairs have been active in telemarketing enforcement. The practical path for REI wholesalers: register first, then manual dial non-DNC numbers with proper live agent disclosure. Automated outreach requires consent. The Consumer Fraud Act provides treble damages to consumers who sue — that multiplier makes NJ more dangerous than the base penalty numbers suggest.

Penalty/Violation

$10,000

Willful

$10,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Register with NJ Division of Consumer Affairs before making any telemarketing calls ($250 fee + $20,000 surety bond),Scrub against NJ state DNC list AND federal National DNC Registry before every campaign,Obtain prior consent before using automated dialers or prerecorded messages,Manual dialing to non-DNC numbers with live agent disclosure is the primary viable cold outreach method,Display accurate caller ID on every outbound call,Connect to a live agent within 2 seconds of answer — no dead air,Identify yourself, your company, and the purpose of the call at the beginning,Maintain call records for 24 months,Follow FCC one-to-one consent rule (Jan 2025) for lead-generated contacts used in automated outreach,Honor opt-out requests immediately,Send written confirmation within 48 hours of any sale,Disclose cancellation rights during the call

What Gets Companies Sued

✗Common violations: (1) Making telemarketing calls without NJ registration ($20,000 bond requirement catches many small operators off guard); (2) Failing to scrub NJ state DNC list; (3) Abandoned calls — dead air for more than 2 seconds after answer; (4) Not identifying company and purpose at call start; (5) Using automated dialers without consent; (6) Not maintaining call records for required 24 months.

Special Exemptions

EBR exemption for past sellers within 18 months of transaction. B2B exemption for calls to business lines. Manual dialing to non-DNC residential numbers with proper disclosure is viable for live cold calls.

Key State Rules

Mini-TCPAYes

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 →