An MLO calls a consumer at 8:45 PM Eastern Time from California (5:45 PM Pacific). The consumer is located in New York. Is this call timing compliant with TSR regulations?
Correct Answer
B) Yes, because it's before 9 PM in the consumer's time zone
Under the Telemarketing Sales Rule, telemarketing calls can only be made between 8 AM and 9 PM in the consumer's time zone, not the caller's time zone. Since it's 8:45 PM Eastern Time where the consumer is located, this call is compliant.
Why This Is the Correct Answer
Under the Telemarketing Sales Rule, telemarketing calls can only be made between 8 AM and 9 PM in the consumer's time zone, not the caller's time zone. Since it's 8:45 PM Eastern Time where the consumer is located, this call is compliant.
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Previous Question
An MLO uses an autodialer to call consumers but always has a live agent available immediately when the call connects. The calls are made to numbers on the National Do Not Call Registry. What determines if this is a violation?
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