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Tennessee

Telecom Compliance Reference — Updated January 2023

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

Insurance Telemarketing Compliance in Tennessee

Insurance agency telemarketing and lead generation compliance in Tennessee

Guide last reviewed: January 2025

⚠

Mini-TCPA State — Tenn. Code § 47-18-1501 et seq. (Tennessee Telephone Solicitation Act)

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

Tennessee Insurance Overview

Insurance telemarketing in Tennessee benefits from the licensed agent registration exemption, but this does not exempt agents from DNC compliance, calling hours, identification requirements, or federal TCPA rules. The TN Consumer Protection Act private right of action with treble damages creates real liability for deceptive insurance sales practices by phone.

Penalty/Violation

$10,000

Willful

$10,000

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Licensed insurance agents are exempt from TN telemarketer registration,Obtain proper insurance licensing from TN Department of Commerce and Insurance,Scrub against federal National DNC Registry and TN DNC list,Call only between 8:00 AM and 9:00 PM local time,Identify yourself, company, license credentials, and purpose within 30 seconds,Prior express written consent before automated or prerecorded calls to cell phones,Comply with TN insurance solicitation regulations,Existing policyholders qualify for EBR exemption under state law,Maintain records of consent and DNC compliance

What Gets Companies Sued

✗Common violations for insurance telemarketers in TN: (1) Unlicensed agents claiming the insurance exemption; (2) Autodial campaigns without written consent; (3) Calling DNC-listed numbers; (4) Deceptive sales practices triggering Consumer Protection Act liability; (5) Failing to identify insurance credentials on calls.

Special Exemptions

Licensed insurance agents are exempt from TN telemarketer registration under § 47-18-1502(a)(7). This exemption is specifically for licensed agents calling within their licensed insurance activities. DNC compliance, calling hours, and federal TCPA requirements still apply.

Key State Rules

Mini-TCPAYes

RegistrationRequired

Class ActionsNot specified

Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Tennessee

Volunteer State Insurance Leads

$425,000

Jan 2024

robocallsdnc violation

TN AG major settlement for illegal insurance lead generation calls.

All enforcement actions in Tennessee →

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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 →