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North Dakota

ND

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM9:00 PM

Min Penalty

$5,000

Registration

Not Required

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 AM9:00 PM

Private Suit

No

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

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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 →