1. The identity of the seller.
2. That the purpose of the call is to sell goods or services.
3. The nature of the goods or services.
4. That no purchase or payment is necessary to be able to win a prize or participate in a prize promotion if a prize promotion is offered. This disclosure must be made before or in conjunction with the description of the prize to the person called. If requested by that person, the telemarketer must disclose the no-purchase no-payment entry method for the prize promotion.
   
   Before a customer pays, and clearly and conspicuously:
   
5. The total costs to purchase, receive, or use, and the quantity of, any goods or services that are the subject of the sales offer.
6. All material restrictions, limitations, or conditions to purchase, receive, or use the goods or services that are the subject of the sales offer.
7. If the seller has a policy of not making refunds, cancellations, exchanges, or repurchases, a statement informing the customer that this is the seller's policy; or, if the seller or telemarketer makes a representation about a refund, cancellation, exchange, or repurchase policy, a statement of all material terms and conditions of such policy;
8. In any prize promotion, the odds of being able to receive the prize, and if the odds are not calculable in advance, the factors used in calculating the odds; that no purchase or payment is required to win a prize or to participate in a prize promotion; and the no purchase o payment method of participating in the prize promotion with either instructions on how to participate or an address or local or toll-free telephone number to which customers may write or call for information on how to participate.
9. All material costs or conditions to receive or redeem a prize that is the subject of the prize promotion.
10. In the sale of goods or services represented to protect, insure, or otherwise limit a customer's liability in the event of unauthorized use of the customer's credit card (credit card protection), the limits on a cardholder's liability for unauthorized use of a credit card.
11. If the offer includes a negative option feature, all material terms and conditions of the negative option feature, including, but not limited to, the fact that the customer's account will be charged unless the customer takes an affirmative action to avoid the charge(s), the date(s) the charge(s) will be submitted for payment, and the specific steps the customer must take to avoid the charge(s).
    
    Abandonment Message Requirements:
    
12. Whenever a sales representative is not available to speak with the person answering the call within 2 seconds after the called person's completed greeting, the seller or telemarketer must play a recorded message stating the name and telephone number of the seller on whose behalf the call was placed.

USA PATRIOT Act:

A bank must obtain the following information prior to opening or adding a signatory to an account:

1. Name.
2. For individuals, date of birth.
3. For individuals, residence, and if different, mailing address; or for corporations, partnerships, and trusts: principal place of business, and if different, mailing address.
4. For U.S. persons, a U.S. taxpayer identification number; or for non-U.S. persons, one or more of the following: a U.S. taxpayer i.d. number, passport number and country of issuance, alien i.d. card number, or number and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard.

1. Calls for the sale of pay-per-call services subject to the Commission's "Trade Regulation Rule Pursuant to the Telephone Disclosure and Dispute Resolution Act of 1992," 16 CFR part 308.
   
2. Calls for the sale of franchises subject to the Commission's Rule entitled "Disclosure Requirements and Prohibitions Concerning Franchising and Business Opportunity Ventures," 16 CFR part 436.
   
3. Calls in which the sale of goods or services is not completed until after a face-to-face sales presentation by the seller.
   
4. Calls initiated by a customer that are not the result of any solicitation by a seller or telemarketer;
   
5. Calls initiated by a customer in response to an advertisement through any media, other than direct mail solicitations; provided, however, that this exemption does not apply to calls initiated by a customer in response to an advertisement relating to investment opportunities, goods or services described in § § 310.4(a) (2) or (3), or advertisements that guarantee or represent a high likelihood of success in obtaining or arranging for extensions of credit, if payment of a fee is required in advance of obtaining the extension of credit.
   
6. Calls initiated by a customer in response to a direct mail solicitation, including solicitations via the U.S. Postal Service, facsimile transmission, electronic mail and other similar methods of delivery in which a solicitation is directed to specific address(es) or person(s), that clearly, conspicuously, and truthfully discloses all material information for any item offered in the solicitation, and that contains no material misrepresentation for any requested charitable contribution; provided, however, that this exemption does not apply to calls initiated by a customer in response to a direct mail solicitation relating to prize promotions, investment opportunities, business opportunities other than business arrangements covered by the Franchise Rule, goods or services, or direct mail solicitations that guarantee or represent a high likelihood of success in obtaining or arranging for extensions of credit, if payment of a fee is required in advance of obtaining the extension of credit; or to any instances of upselling included in such calls.
   
7. Business-to-business calls, except calls involving the retail sale of nondurable office or cleaning supplies.

31 C.F.R. § 103.121(b)(2)(i)

1. Caller's identity.
2. Identity on whose behalf the call is being made.
3. Purpose of the call, including a brief description of the goods or services to be offered.
4. If the person receiving the call indicates that he or she does not want to hear about the charity, goods, or services, the caller must immediately disconnect.**

Prize Promotions:

1. The manner in which the seller decides which item or items a particular prospective purchaser is to receive.
2. The odds a single prospective purchaser has of receiving each described item.
3. All rules, regulations, terms, and conditions a prospective purchaser must meet in order to receive the item.
4. The complete address of the location from which the salesperson is calling the purchaser and, if different, the complete address of the seller's principal location.
5. The total number of individuals who have actually received from the seller during the past 12 months, or if the seller has not been in business that long during the period the seller has been in business, the item having the greatest value and the item with the smallest odds of being received.

Calls made when there is an established business relationship, as long as the same business name is used.

Business-to-business calls.

1. 1. A registered seller of a security.
2. A licensed seller of insurance.
3. A person primarily soliciting the sale of a newspaper of general circulation, a magazine, or membership in a book or record club.
4. A person soliciting business from prospective purchasers who have previously purchased from the business enterprise for which the person is calling.
5. A person soliciting without the intent to complete, the sales presentation during the telephone solicitation but completes the sales presentation at a later face-to-face meeting between the solicitor and the prospective purchaser.
6. Any supervised financial institution or parent, subsidiary, or affiliate.
7. Any burial association operating pursuant to state law.
8. A person or an affiliate of a person whose business is regulated by the Arkansas Public Service Commission.
9. An issuer or a subsidiary of an issuer that has a class of securities which is subject to, and which is either registered or exempt from registration.
10. A person soliciting a transaction regulated by the Commodity Futures Trading Commission if the person is registered or temporarily licensed for this activity with the Commission.
11. A person soliciting a transaction directed to a purchaser holding a permit pursuant to the Arkansas Gross Receipts Act, and in which the solicitation deals with goods of a type that are subject to resale by the purchaser.

Upon initial contact:

1. Identity of the person making the solicitation.
2. Trade name of the person represented by the person making the solicitation.
3. Kind of goods or services being offered for sale.

Prize Promotions:

1. The manner in which the seller decides which item a purchaser is to receive, the odds of winning, and all rules, regulations and terms involved in a prize promotion.
2. Complete street address of location from which seller is calling.
3. Total number of people who have received prizes from the seller.

Home solicitation contracts or offers:

1. Buyer's right to cancel up until midnight of third business day after day he receives the product.
2. A written notice of cancellation will be sent with the products orders or with a confirmation of services ordered.

1. Non-profit charitable organizations.
2. Any person selling any intangibles.¹
3. Business-to-business calls.
4. Newspapers which are printed distributed periodically at daily, weekly, or other short intervals for the dissemination of news of a general character and of a general interest.

Calls to persons who have previously purchased from the seller.

Standard commercial telemarketing exemptions including calls from publicly traded companies, magazine publishers, utility companies, supervised financial institutions, business-to-business calls etc.*

Within first 30 seconds:

1. Caller's true name.
2. Company on whose behalf the solicitation is being made.
3. Consumer goods or services being sold.

If sale completed:

1. Cancellation rights of consumer.
2. License number issued for the commercial telephone seller and the salesperson.
3. Street address of the seller.

Immediately upon making contact with the person called:

1. Telephone solicitor's true first and last names.
2. Business on whose behalf he or she is soliciting.

1. Calls made in response to an express request of the person called.
2. Calls made primarily in connection with an existing debt or contract, payment or performance of which has not been completed at the time of such call.
3. Calls made to any person with whom the telephone solicitor has a prior or existing business relationship.
4. Calls made by a newspaper publisher or his or her agent or employee in connection with his or her business.
5. Non-profit organizations.
6. Business-to-business calls.

Calls when there is an existing business relationship are exempt if the same exact business name is used by the caller.

Standard commercial telemarketing exemptions including calls from publicly traded companies, magazine publishers, utility companies, supervised financial institutions, business-to-business calls etc.*

1. Identity of caller.
2. Trade-name of person represented by the person calling.
3. Kind of goods or services offered for sale.

1. At the time the purchase is completed, the purchaser's right to cancel.
2. Telephone solicitor's registration number issued by the state attorney general.
3. Full street address, including the telephone number, of the telephone solicitor if a sale or purchase is completed.

None.

1. A person engaging in telephone solicitations where the solicitation is an isolated transaction and not done in the course of a pattern of repeated transactions of like nature; or less than sixty percent (60%) of such person's prior year's sales were made as a result of telephone solicitations.
2. A person making a telephone solicitation where the purchaser contacted has previously purchased goods or services from the person or the business entity for which the person is calling.
3. A person making a telephone solicitation: without the intent to make or obtain provisional acceptance of a purchase during the telephone solicitation; and who only arranges for the major sales presentation to be made at a later face-to-face meeting.
4. A person whose business is licensed by any federal or state of Idaho governmental agency, except the secretary of state office, which has the power to revoke any license issued by the agency.
5. A person making a telephone solicitation solely for purposes of selling a subscription to or advertising in a newspaper or telephone directory of general circulation.
6. A person making a telephone solicitation solely for purposes of selling a magazine, periodical, book, or musical or video recording in pursuant to a negative option plan in accordance with federal law.
7. A person who has at least one (1) business location in the state under the same name as that used in connection with telephone solicitations and ninety percent (90%) of the person's business involves the purchaser's obtaining services and products at the person's business location.
8. An issuer or subsidiary of an issuer of securities.
9. A person who solicits by qualified catalog.

1. Individual seller's name.
2. Name of business the seller represents.
3. Identity or kinds of goods or services.
4. Seller wishes to demonstrate or sell the identified goods or services.

1. Nonprofit organizations.
2. Sale in which the buyer personally knows the identity of the seller, name of business organization the seller represents, and the identity or kinds of goods or services offered for sale.
3. Sale in which buyer has initiated contact with seller.
4. Sale of a newspaper subscription in which the seller is a minor child engaged in both the delivery and sale of the newspaper.

1. Sale made pursuant to prior negotiations in the course of a visit by the buyer to a retail business establishment having a fixed permanent location where the goods are exhibited or the services are offered for sale on a continuing basis.
2. Sale in which the buyer has initiated the contact and the goods or services are needed to meet a bona fide immediate personal emergency of the buyer and the buyer furnishes the seller with a separate dated and signed statement not furnished by the seller describing the situation requiring immediate remedy and expressly acknowledging and waiving the right to cancel the sale. This exclusion shall only apply where (i) the seller in good faith makes a substantial beginning of performance of the contract before the buyer gives notice of cancellation, and, (ii) in the case of goods, the goods cannot be returned to the seller in substantially as good condition as when received by the buyer.
3. Sale in which the buyer has initiated the contact and specifically requested the seller to visit the buyer's home for the purpose of repairing or performing maintenance upon the buyer's property. If in the course of such a visit, the seller sells the buyer the right to receive additional services or goods other than replacement parts necessarily used in performing the maintenance or in making the repairs, the sale of those additional goods or services would not fall within this exclusion
4. Sale in which the buyer has initiated the contact either by oral, telephone, or written request (other than on a form provided by the seller), and requested the seller to visit the buyer's home for the purpose of negotiating the purchase of the specific good or service requested, but only where the buyer furnishes the seller with a separate dated and signed statement in the buyer's handwriting expressly acknowledging and waiving the right to cancel the sale.
5. Sale of insurance, securities, or real property; or a sale by public auction.
6. Sale of a motor vehicle made at a place other than the buyer's place of residence.

1. Seller's true first and last names.
2. Business on whose behalf he or she is soliciting.
3. The company's assigned solicitor registration number with regard to the Mississippi "do-not-call" list.
4. Caller must discontinue the call immediately if at any time the person called expresses disinterest in continuing the call.**

At the beginning of the call:

1. Name of person making the call.
2. Company that he or she represents.
3. Purpose of the call.

Calls when there is an established business relationship, if the caller is operating under the same exact business name.

Standard commercial telemarketing exemptions including calls from publicly traded companies, magazine publishers, utility companies, supervised financial institutions, business-to-business calls etc.*

1. Calls made without the intent to complete the sales presentation unless until a later face-to-face meeting.
2. Calls made by persons licensed to conduct real estate business by Mississippi.
3. Calls made by Mississippi licensed motor vehicle dealers.
4. Calls by licensed insurance agents.
5. Calls by licensed investment broker-dealers or agents.
6. Calls made on behalf of a charitable organization whose telephone solicitation is for the solely to solicit for the charitable organization and who receives no compensation for his activities on behalf of the organization.
7. Calls made on behalf of a newspaper of general circulation, whose telephone solicitation is only for subscriptions or the sale of advertisements.
8. Calls made on behalf of any supervised financial institution.
9. Calls made on behalf of a funeral establishment licensed in Mississippi.
10. Calls made when there is an established business relationship.