A regulator exam preparation raises a question about telemarketing and do-not-call controls. Which action should the compliance manager recommend?
Correct Answer
D) Honor the do-not-call request under telemarketing rules
Why this is correct: The governing concept is compliance with telemarketing rules like the TCPA and the National Do-Not-Call Registry. These rules require companies to honor do-not-call requests from consumers, whether internal or on the national registry. Once a request is made, future telemarketing calls are prohibited unless the consumer provides new, express consent. Why the other choices are wrong: "Assume the TCPA Compliance condition is met because the borrower satisfied the separate construction draw requirement" is wrong because unrelated loan requirements do not satisfy specific telemarketing consent rules. "Ignore an internal do-not-call request after the borrower shows interest" is wrong because showing interest does not override a formal do-not-call request; consent must be explicit. "Treat prior borrower contact as unlimited permission for future calls" is wrong because prior contact or an existing relationship does not grant perpetual calling rights; do-not-call requests must be respected. Exam tip: A do-not-call request is absolute. Honor it immediately and track it to ensure no future marketing calls.
Why This Is the Correct Answer
The correct response is "Honor the do-not-call request under telemarketing rules" because Telemarketing rules limit calling times, registry calls, internal do-not-call handling, and consent.
Why the Other Options Are Wrong
Option A: Assume the TCPA Compliance condition is met because the borrower satisfied the separate construction draw requirement.
This distractor shifts the issue to a different trigger, product, or timing rule instead of applying the rule tested in the stem.
Option B: Ignore an internal do-not-call request after the borrower shows interest.
Ignore an internal do-not-call request after the borrower shows interest. is not correct because it does not apply the rule tested by this file scenario.
Option C: Treat prior borrower contact as unlimited permission for future calls.
Treat prior borrower contact as unlimited permission for future calls. is not correct because it does not apply the rule tested by this file scenario.
Memory Technique
telemarketing and do-not-call controls: identify the rule being tested, then choose the action that documents or applies that rule before the file moves forward.
Exam Tip
Match the file facts to telemarketing and do-not-call controls; do not choose an exception or shortcut that skips the required rule.
Common Mistakes to Avoid
- -Choosing an internal exception instead of the governing rule
- -Treating preliminary or informal facts as a substitute for required documentation
- -Answering from a familiar but unrelated mortgage topic
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