Does Rhode Island require registration for Insurance telemarketers?

Rhode Island does not require separate telemarketer registration; federal FTC rules still apply.

What is the penalty per violation in Rhode Island?

Up to $10,000 per violation (or $10,000 for willful violations).

Home / States / Rhode Island

Rhode Island Telecom Compliance Guide

Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$10,000

Registration

Not Required

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

Insurance Telemarketing Compliance in Rhode Island

Insurance agency telemarketing and lead generation compliance in Rhode Island

Guide last reviewed: January 2025

⚠

Mini-TCPA State — R.I. Gen. Laws § 5-61-3.2

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

Rhode Island Insurance Overview

Insurance telemarketing in Rhode Island follows a simple framework. Low registration barrier ($200/year, no bond), federal calling hours, and standard 3-day rescission. Licensed producers have a clear EBR exemption for existing policyholders. Cold calling new prospects via manual dialing within standard hours is viable with DBR registration.

Penalty/Violation

$10,000

Willful

$10,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Compliance Checklist

✓Maintain active Rhode Island insurance producer license,Register with RI DBR ($200/year) if making outbound telemarketing calls to new prospects,EBR exemption for existing policyholders,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 at start of each call,Obtain prior express written consent before automated outreach,Written confirmation for any policy sale over $25,3-day right of rescission for phone-solicited policies,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 Rhode Island: (1) Not registering with DBR; (2) Misrepresenting coverage; (3) Not providing 3-day rescission; (4) Using auto-dialers without consent; (5) Not scrubbing DNC list.

Special Exemptions

Licensed insurance producers calling existing policyholders have EBR exemption and are exempt from certain solicitation provisions. Low registration barrier for cold calling new prospects.

Key State Rules

Mini-TCPAYes

RegistrationNot Required

Class ActionsNot specified

Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Rhode Island

Providence Insurance Marketing Group

$110,000

Sep 2024

prerecorded messagesno consent

Insurance marketer settled for prerecorded calls without consent.

All enforcement actions in Rhode Island →

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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 →