Does North Dakota require registration for Insurance telemarketers?

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

What is the penalty per violation in North Dakota?

Up to $5,000 per violation (or $5,000 for willful violations).

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North Dakota Telecom Compliance Guide

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

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

Insurance Telemarketing Compliance in North Dakota

Insurance agency telemarketing and lead generation compliance in North Dakota

Guide last reviewed: January 2025

⚠

Mini-TCPA State — N.D.C.C. § 51-28

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

North Dakota Insurance Overview

Insurance telemarketing in North Dakota follows the simplest framework. No separate state DNC list, no registration requirement with the state, and federal TCPA is the primary automated calling constraint. Licensed producers with existing policyholders have a clear EBR exemption.

Penalty/Violation

$5,000

Willful

$5,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Compliance Checklist

✓Maintain active North Dakota insurance producer license,Scrub against federal DNC Registry (no separate state list),Calling hours: 8:00 AM – 9:00 PM local time,Identify yourself, your agency, and the carrier,EBR exemption for existing policyholders,Obtain prior express written consent before automated outreach,Do not misrepresent policy terms, coverage, or pricing,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 North Dakota: (1) Unlicensed agents soliciting; (2) Not scrubbing federal DNC; (3) Misrepresenting coverage; (4) Using auto-dialers without consent.

Special Exemptions

Licensed insurance producers calling existing policyholders have EBR exemption. No separate state DNC list. No state mini-TCPA — federal standards apply.

Key State Rules

Mini-TCPAYes

RegistrationNot Required

Class ActionsNot specified

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 →