Does New Mexico require registration for Debt Collection telemarketers?

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

What is the penalty per violation in New Mexico?

Up to $100 per violation (or $300 for willful violations). Private right of action available.

Home / States / New Mexico

New Mexico Telecom Compliance Guide

Q: What are the top compliance violations for Debt Collection operators in New Mexico?

Calling outside FDCPA time restrictions Exceeding call frequency limits Calling cell phones without consent

Telecom Compliance Reference · Statute last amended 2021

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$100

Registration

Not Required

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

Debt Collection Telemarketing Compliance in New Mexico

Debt collection calling compliance — FDCPA plus TCPA in New Mexico

⚠

Mini-TCPA State — NMSA 1978, § 57-12-22

New Mexico imposes stricter consent and calling requirements than federal TCPA.Debt Collection companies operating here face $100 per-violation penalties.

Penalty/Violation

$100

Willful

$300

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Comply with both FDCPA and TCPA — they overlap but differ

✓Do not call before 8 AM or after 9 PM local time

✓Do not call more than 7 times in 7 days per debt

✓Obtain prior express consent to call cell phones

✓Scrub numbers that have requested no further contact

✓Provide validation notice within 5 days of first contact

✓Honor cease-communication requests immediately in writing

✓Do not use obscene language or threats

✓Identify yourself as a debt collector on every call

✓Check if state has its own debt collection act

What Gets Companies Sued

✗Calling outside FDCPA time restrictions

✗Exceeding call frequency limits

✗Calling cell phones without consent

✗Failing to identify as debt collector

✗Ignoring cease-communication requests

Key State Rules

Mini-TCPAYes

RegistrationNot Required

Class ActionsAllowed

Consent Requirements→Registration Details→DNC List→

Debt Collection Enforcement in New Mexico

Southwest Collections Agency

$320,000

Apr 2024

prerecorded messagescalling hours

NM AG settled with debt collector for prerecorded calls outside permitted hours.

All enforcement actions in New Mexico →

Stay Current

Weekly compliance digest

New enforcement actions, statute updates, and rule changes — delivered once a week. Know what changed before your next dial session.

Compliance, built in

Need an AI workforce that knows the rules?

Chief is the AI workforce for real estate operators. Calling, texting, and follow-up that respects New Mexico consent requirements, calling hours, and DNC rules without you babysitting the dialer.

See Chief →

Or book a compliance review

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 →