A policy analyst is resolving TSR Call Time Restrictions during a quality-control sample. Which action best fits the rule?
Correct Answer
A) Call only within permitted local calling hours
Why this is correct: The Telemarketing Sales Rule (TSR) establishes specific time-of-day restrictions for telemarketing calls to protect consumers from intrusions. The permitted calling hours are generally from 8 a.m. to 9 p.m. local time at the called party's location. The analyst's action of ensuring calls are made only within these hours directly complies with this core TSR restriction. Why the other choices are wrong: "Call without checking consent or registry status." is wrong because the TSR requires checking the National Do-Not-Call Registry and obtaining express prior consent before making certain calls. "Ignore an internal do-not-call request after the borrower shows interest." is wrong because a company-specific internal do-not-call request must be honored, even if the consumer has expressed interest in the product. "Treat prior borrower contact as unlimited permission for future calls." is wrong because prior contact or an existing business relationship does not constitute unlimited consent; consent for telemarketing calls is specific and often requires a separate, affirmative agreement. Exam tip: For TSR questions, remember the three key pillars: time restrictions (8 a.m.-9 p.m.), the National Do-Not-Call Registry, and the need for prior express written consent for certain calls. 'Permitted local calling hours' is a direct, textbook rule.
Why This Is the Correct Answer
The correct response is "Call only within permitted local calling hours" because Telemarketing rules limit calling times, registry calls, internal do-not-call handling, and consent.
Why the Other Options Are Wrong
Option B: Call without checking consent or registry status.
Call without checking consent or registry status. is not correct because it does not apply the rule tested by this file scenario.
Option C: 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 D: 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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