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Prepared by Copilevitz & Canter, LLC - (816) 472-9000 | This chart is not to be used as a substitute for legal counsel.

Disclosure Requirements (Telemarketing)
 

Disclosure Requirements

Exemptions

Statutory
Citation
Federal

Telephone Consumer Protection Act (TCPA)

  1. Name of the individual caller
  2. Name of the person or entity on whose behalf the call is being made.
  3. Telephone number or address at which the person or entity may be contacted.
 Calls by tax-exempt nonprofit organizations.

47 C.F.R. § 64.1200(d)(4)
Federal

Caller Identification Disclosures:
Any person or entity that engages in telemarketing must transmit caller identification information, including

  1. Either ANI or Calling Party Number (CPN), and
  2. If available by the telemarketer's carrier, the telemarketer's name.

Calls by tax-exempt nonprofit organizations

47 C.F.R. § 64.1601(e)
Federal

Call Abandonment Message Requirements:
Whenever a sales representative is not available to speak with the person answering the call, that person must receive, within 2 seconds after the called person's completed greeting, a prerecorded identification message that states only the name and telephone number of the business, entity, or individual on whose behalf the call was placed, and that the call was for “telemarketing purposes."

Artificial/Prerecorded Messages:

  1. At the beginning of the message, the identity of the business, individual or entity responsible for initiating the call. (If a business is responsible, must disclose the name under which the entity is registered to conduct business with the state regulatory authority.
  2. During or after the message, the telephone number (other than that of the autodialer or message player that placed the call) of the business, entity or individual. *This number may not be a 900 number or other number for which charges exceed local or long distance charges; and must permit any individual to make a do-not-call request during regular business hours.

N/A

47 C.F.R. § 64.1200(a)(6)







47 C.F.R. § 64.1200(b)

Federal
 Telephone Sales Rule (TSR)
Promptly, clearly and conspicuously:
  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:
  1. The total costs to purchase, receive, or use, and the quantity of, any goods or services that are the subject of the sales offer.
  2. All material restrictions, limitations, or conditions to purchase, receive, or use the goods or services that are the subject of the sales offer.
  3. 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;
  4. 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 no 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.
  5. All material costs or conditions to receive or redeem a prize that is the subject of the prize promotion.
  6. 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.
  7. 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).

  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.

16 C.F.R. § 310.2 et seq.
Federal
 Prerecorded Message Requirements (effective December 1, 2008):
  1. 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 disclosing one or both of the following:
    2.
    1. in the case of a call answered by a consumer, that the person called can use an automated interactive voice and/or keypress-activated opt-out mechanism to assert a Do-Not-Call request at any time during the message. The mechanism must:
      1. automatically add the number called to the seller’s internal "do-not-call" list;
      2. once invoked, immediately disconnect the call; and
      3. be available for use at any time during the message.
    2. in the case of a call answered by an answering machine or voicemail service, that the person called can use a toll-free telephone number to assert a “do-not-call” request. The number called must connect directly to an automated interactive voice or keypress-activated opt-out mechanism that:
      1. automatically adds the number called to the seller’s internal "do-not-call" list;
      2. immediately disconnects the call; and
      3. is accessible at any time throughout the duration of the telemarketing campaign.

  1. Standard Telemarketing Sales Rule exemptions (see 1-7 immediately above) apply.
  2. Calls delivering a prerecorded healthcare message by, or on behalf of, a covered entity or its business associate as defined under HIPAA.

16 C.F.R. §
310.4(b)(1)(v)(B)(ii)

Federal
 Abandonment Message Requirements:
  1. Whenever a sales representative is not available to speak with the person answering the call within two (2) seconds after the person's completed greeting, the seller or telemarketer must promptly play a recorded message that states the name and telephone number of the seller on whose behalf the call was placed

Standard TSR exemptions (1-7 above) apply

16 C.F.R. § 310.4(b)(4)(iii)
Federal

Preacquired Account Information Requirements — the seller or telemarketer must meet the following requirements in any telemarketing transaction involving preacquired account information:

  1. If a free-to-pay conversion feature is involved:
    1. Obtain from the customer at least the last 4 digits of the account number to be charged.
    2. Obtain from the customer his or her express agreement to be charged for the goods or services and to be charged using the account number in (a).
    3. Make and maintain an audio recording of the entire transaction.
  2. In any other transaction involving preacquired account information:
    1. At a minimum identify the account to be charged with sufficient specificity for the customer to understand what account will be charged.
    2. Obtain from the customer his or her express agreement to be charged for the goods or services and to be charged using the account number identified in (a).

Standard TSR exemptions (1-7 above) apply.

16 C.F.R. § 310.4(a)(6)
Federal

Upsell Requirements (apply when soliciting the purchase of goods or services following an initial transaction during a single call):

  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.

*In any internal upsell for the sale of goods or services, the seller or telemarketer must provide these disclosures only to the extent that the information in the upsell differs from the disclosures in the initial telemarketing transaction. **An internal upsell is made by or on behalf of the same seller as the initial transaction, regardless of whether a different telemarketer makes the upsell.

An external upsell is made by or on behalf of a seller different from the seller in the initial transaction regardless of whether a different telemarketer makes the upsell.

Standard TSR exemptions (1-7 above) apply.

 16 C.F.R. § 310.4(d)
Federal 1

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 ID number, passport number and country of issuance, alien ID 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.

   31 C.F.R §
103.121(b)(2)(i)
Alabama

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. 1. Purchaser's cancellation rights.
  2. License number issued by the state for both the commercial telephone seller and the salesperson.
  3. Street address of the seller.

    R








    A, B, C, D, E, F, G, H, I, J, K, L, M, N, O, P, Q, R (if the seller is using the same exact business name), S, T, U

8-19A-12
Alaska

Within first 15 seconds:

  1. Registered seller's name and telephone number.
  2. Whom the registered seller represents.
  3. That the call is a sales call.

Seller must repeat the above information at any time during the conversation upon the request of the person called.

Seller must terminate the telephone solicitation and promptly disconnect the telephone line if the person receiving the call objects to the solicitation or indicates that the person is not interested.

    B, C, D, E, F, G, H, I K, M, N, O, V, W, X, Y, Z, NN, OO

45.63.045
Arizona

Before beginning the solicitation:

  1. Complete street address of physical location from which the seller is making the call and complete street address of seller's principal location.
  2. Legal name of the seller on whose behalf the caller is making the solicitation.
  3. Caller's true legal name.
  4. Purpose of the call is to sell merchandise.

During the solicitation:

  1. Any charge associated with a prize offered.
  2. Any material restriction, requirement, condition, limitation, or exception associated with a prize.
  3. Any charge connected with the sale of merchandise.
  4. Time period within which any prize will be delivered.
  5. Consumer's right to cancel the transaction.

    D, E, F, G, H, K, M, O, R*, U

*Existing business relationship exemption applies IF the caller uses the same name as in the previous transaction, no sale or securities or prize promotion is involved, the caller does not operate a recovery service and the caller has not violated a telephone solicitation law or been convicted of a felony or crime within the last 20 years

44-1276
Arkansas
Immediatlely:
  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.**
*These disclosure requirements only apply to prize promotion representations.
  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.

J, R ( as long as the same business name is used)

C, D, E, G, H, M, N, P, R, W, BB
4-99-201

4-99-108
California
Upon initial contact:
  1. Identity of the person making the solicitation.
  2. Trade name of the person represented by then person making the solicitation.
  3. Kind of goods or services being offered for sale.
*These disclosure requirements only apply to prize promotion representations.
  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 of 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.

 

B, D (newspapers only), J, V V

 

C, D, E, G, H, I, M, N, O, P, Q, R (previous purchase required), W, X, BB, CC, DD, EE, FF, GG

 

 

 

"Home solicitation contract or offer" is defines as "any contract, whether single or multiple, or any offer which is subject to approval, for the sale, lease, or rental of goods or services or both, made at other then appropriate trade premises in an amount of twenty-five dollars ($25) or more, including any interest or service charge."
Bus. & Prof. 17500.3 (a)(1)-(3)

Bus, & Prof. 17511.5

Civ. Code 1689.5
Colorado
 That the purchaser has cancellation rights.

    B, C, D, E, F, G, H, I, J, K, L, M, N, P, Q, U, X, HH
6-1-304
Connecticut
N/A
N/A
N/A
Delaware

Beginning of call and prior to sales pitch:

  1. Purpose of call is to sell specific merchandise.
  2. Caller's name.
  3. Name of seller on whose behalf the solicitation is being made.
  4. Accurate information concerning the nature and description of the merchandise being offered.

Before completion of the call and payment:

  1. Total amount of money to be paid.
  2. Restrictions, limitations, or conditions applicable to the purchase.
  3. Material aspects of performance, quality, efficacy, nature, or basic characteristics of the call.
  4. Material aspects of the terms or nature of the refund, cancellation, exchange or repurchase policies.
  5. Material aspects of investment being offered.
  6. Material elements of a prize promotion including description of prize, market value, conditions to receive or redeem the prize, actual number of prizes, odds of winning, no purchase or payment required to win, and instructions on how to participate or a telephone number or address where such instructions may be provided.
     B, C, D, G, H, J, K, M
6 De. Code 2506A
D.C.

Within first 30 seconds:

  1. Caller's true first and last name.
  2. Company on whose behalf the solicitation is being made.
  3. Goods or services to be sold.
    A, C, R*, WW

    *only calls to administer an existing account or service an existing customer
22-3226.15
Florida

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.

A, B, C, D, E, F, G, H, I, J, K, L, M, N, O, P, Q, R*, S, T, U, V, W


*only if the exact same business name is used by the caller

B, E, R, J, VV
501.613
501.059(2)
Georgia
 N/A N/A
N/A
Hawaii
 Must commence the following within the first minute of an outbound telephone call, and complete within the first three minutes of the outbound call, before payment is requested and prior to any solicitation:
  1. True purpose of the call.
  2. Caller's name.
  3. Company or entity on whose behalf the solicitation is being made.
  4. Goods or services being offered.
Before payment is received:
  1. Total purchase costs of the goods or services to be received.
  2. Restrictions, limitations, or conditions to purchase or use the goods or services.
  3. Material term or condition of seller's refund, cancellation, or exchange policy.
  4. Material costs or conditions relating to receiving a prize, including the odds of winning, nature and value of the prize that no purchase is necessary to win, and the no purchase method of entering the contest.
  5. Any material aspect of an investment opportunity.
  6. Quantity and any material aspect of the quality or basic characteristics of the goods or services.
    D, G, H, K, M, W, II, GG, RR, TT
481P-2
Idaho
At the time the person initially contacts the prospective buyter, and before making any other statement, except a greeting, or asking the prospective buyer any other questions
  1. Identity of caller.
  2. Trade-name of the person represented by the person calling.
  3. Kind of goods or services being 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 adress, including the telephone number, of the telephone solicitor if a sale or purchaser is completed.
Caller must hang up pursuant to a purchaser's request.**

None.

A, C, D, E, K, R*, Z, JJ, XX

*Previous purchase required.


None.
48-1004

48-1003(1)(b)

815 ILCS 413/15
Illinois
 Immediately:
  1. Caller's name.
  2. Name of business or organization being represented.
  3. Purpose of the call.
At the beginning of the call
  1. Inquire whether the person consents to the solicitation.
     D, G, H, M, W, YY, ZZ
815 ILCS 413/15
Indiana
    Immediately upon making contact:
  1. Caller's true first and last name.
  2. Name of business on whose behalf the caller is soliciting.
     B, E, H, J, M*, W, WW, AAA
    *only in regard to telephone directories
24-4.7-4-2
Iowa
 N/A
N/A
N/A
Kansas
  1. Caller's name.
  2. Business on whose behalf the caller is soliciting.
  3. Identify the purpose of the call immediately upon making contact.
  4. Caller must discontinue the call if the person called gives a negative response at any time.**
     AAA, J, R*, WW

    *As long as the caller is not an employee of a provider of telecommunications services.
50-670
Kentucky

Upon immediate contact:

  1. Caller's actual name.
  2. Merchant's legal name.
  3. Telephone number or address at which the merchant may be contacted.
  4. Town or city and state where the caller is physically located.

Within first 30 seconds:

  1. Goods, services, interest in real estate, investment or business opportunity or type of credit being offered.
  2. Inquire whether the consumer is interested in listening to a sales presentation and immediately discontinue the call if a negative response is given.

Before End of Call
Inquire as to whether the consumer is 18 years of age or older.

     AAA, B*, J, R, SS**, WW

    *Only calls for donations
    **But not calls for the sale of telemarketing services
367.46953
Louisiana
 Immediately after the called party answers:
  1. The name, telephone number and firm making or paying for the call, including but not limited to the name of the individual or firm on whose behalf the call is made.
At the conclusion of the call:
  1. The name and telephone number of the individual or firm making or paying for the call, including but not limited to the name of the individual or firm on whose behalf the call is made, must again be clearly stated.
     AAA, B, BB, GG, J, R, WW
Gen. Order
R-27021 § V
Maine
Immediately disclosure the solicitor’s real first and last name and the name of the business on whose behalf the telephone solicitor is calling.
    AAA, WW
10 MRSA 1499-B
(2007 Me. Laws 227)
Maryland
     Before soliciting sales or services:
  1. Seller's name and trade name of person represented by the solicitor.
  2. Purpose of the telephone conversation.
  3. Kind of merchandise, real property, intangibles, or service solicited.
 Professional services of the following: CPA, architect, clergyman, professional engineer, lawyer, veterinarian, insurance company authorized to do business in the State, Christian Science practitioner, land surveyor, property line surveyor, chiropractor, optometrist, physical therapist, podiatrist, real estate broker, associate real estate broker, or real estate salesperson, or medical or dental practitioner.

E, H, W, QQ
Md. Commerc. Code 13-301(10)
Massachusetts

Within the first minute and before requesting or accepting payment:

  1. That the purpose of the call is to make a sale or solicit funds.
  2. The correct name of the telemarketing company that employs the individual caller.
  3. The correct name of the ultimate seller whose goods or services are being offered by means of the telemarketing call.
  4. A complete and accurate description of the goods or services being offered including, but not limited to, the retail market value of the goods or services.

Before requesting, accepting, or arranging for payment by a consumer:

  1. The cost to the consumer of the goods or services that are the subject of the call, including any applicable tax, shipping, and handling fees.
  2. Any restrictions, limitations, or conditions attached to purchasing the goods or services.
  3. The complete terms of any applicable refund, return, cancellation, exchange, or repurchase policies.
  4. Any material aspect of an investment opportunity being offered including, but not limited to, the price of the land or other investment, the location of the investment and the fact that an investor may lose some or all of their original investment.
     B, CCC, J, S, WW
Mass. Gen. Laws Ch. 159C, § 5A
Michigan

At the beginning of the call:

  1. Caller's name.
  2. Full name of the organization or other person on whose behalf the call was initiated.
  3. Telephone number of the organization or other person, on request.

Before payment is received:

  1. Total purchase price of the goods or services to be received.
  2. Any restrictions, limitations, or conditions to purchase or use the goods or services that are the subject of an offer to sell goods or services.
  3. Any material term or condition of the seller's refund, cancellation or exchange policy, including the right to cancel and if the seller does not have such policy.
  4. Any material costs or conditions related to receiving a prize, including the odds of winning, and if the odds aren't calculable in advance, the factors used in calculating the odds, the nature and value of the prize, that no purchase is necessary to win the prize, and the no purchase required method of entering the contest.
  5. Any material aspect of an investment opportunity the seller is offering, including but not limited to, risk, liquidity, earnings potential, market value and profitability.
  6. The quantity and any material aspect of the quality or basic characteristics of any goods or services offered.
  7. The right to cancel a sale, if any.
     B*, C, GG, J, R, W

    *Include persons subject to the Public Safety Solicitation Act






    None

§ 445.111b(1)

445.111c(1)(i)(a)
Minnesota
At the time of initial contact
  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.
Buyer's right to cancel.
B, E*, WW, and 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.

*If sale is made by a minor child
D, DDD, H, S, W, WW*

*If goods are needed to meet a personal emergency or buyer needs home maintenance work.

325G.12

325G.08
Mississippi
Immediately upon making contact:
  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. The company’s Commission assigned solicitor registration number.
  4. Purpose of the call.

 

    A, B, C, D, E, F, G, H, I, K, L, M, N, O, P, Q, S, U, W
    B*, C, D, DDD, G, H, I, R, V, W
77-3-603



CMSR 26-000-0004

77-3-723

Missouri

Upon contact:

  1. Purpose of the call is to make a sale.
  2. Caller's identifiable name and seller on whose behalf the solicitation is being made.
  3. Nature of merchandise or investment opportunity being sold.
  4. No purchase or payment is necessary to be able to win a prize.

Prior to requesting payment:

  1. Seller's name and address or telephone number where the seller can be reached.
  2. Total cost and quantity of merchandise.
  3. Any material restrictions, limitations, or conditions.
  4. Any material aspect of the nature or terms of the refund, cancellation, exchange or repurchase policies.
  5. Any material aspect of an investment opportunity being offered.
  6. Material elements of a prize promotion including the odds of winning, that no purchase is necessary, and all material conditions.
     C, HH*, J, R, WW, Z

    *14 day refund period
407.1073
Montana

Upon contact:

  1. Identity of seller.
  2. Purpose of the call is to sell goods or services.
  3. Nature of the goods or services.
  4. Purchase or payment is not necessary to be able to win a prize.

Prior to requesting payment:

  1. Total cost of goods or services.
  2. All material restrictions, limitations, and conditions.

Prize promotion:

  1. Odds of winning a prize.
  2. No purchase, no payment method of participating.
     None.
30-14-1410
Nebraska
 At the outset of the call:
  1. Seller's individual name.
  2. Name of business.
  3. Identity or kind of goods seller offers to sell.
 EEE, GGG, J, S, WW*

*Calls in which the buyer has initiated the contact, the goods or services are needed to meet an immediate personal emergency of the buyer, and the buyer provides the seller with a separate personal statement describing the situation
69-1602
Nevada

*These disclosure requirements only apply to prize promotion representations.

During any solicitation a salesman shall disclose:

  1. Seller's true name.
  2. Employer of the seller.
  3. Purpose of the call.

During any solicitation any one required to register as a salesman or seller must disclose:

  1. Any charge connected with sale of goods or services.
  2. Any material restrictions, requirements, conditions, limitations, or exceptions.
  3. Any charge connected with the sale of any goods or services.
  4. The time any prize will be delivered.

Prize Promotions:

  1. The complete address of the location and the telephone number from which the consumer is being called and, if different, the complete address of the principal location at which the seller does business.
  2. A description of the item.
  3. All terms and conditions a consumer must satisfy in order to receive the item.
  4. If the consumer is to receive fewer than all the items described by the seller, the manner in which the seller decides which a item a given consumer is to receive.
  5. That the consumer may obtain, without cost, a written statement of the terms and conditions he must satisfy in order to receive the item. If the consumer so requests, the seller shall send him such a statement, by mail, without cost to the consumer.
C, D, E, F, G, H, K, KK, M, MM, N, O, P, R, S, T, V, W, X
599B.170
New Hampshire

Any person selling or offering for sale any consumer good or service that states a post office box address, a street address representing a site used for the receipt or delivery of mail, or a telephone number representing a telephone answering service in its advertising, solicitations, or promotional materials, including order blanks and forms, shall clearly and conspicuously disclose:

  1. Complete legal name under which business is done.
  2. Complete street address from which business conducted.
  3. Telephone number for customer inquiries and complaints.
     FFF, J, S, Z
361-B:2-a
New Jersey

Within the first 30 seconds of the call:

  1. Name of the person making the call.
  2. Name of the telemarketing entity making the call.
  3. Name of the person or entity on whose behalf the call is being made.
  4. Purpose of the call.
     AAA, J

56:8-128

Reg.13:45D-1.3
New Mexico

Within fifteen (15) seconds of the time the person being called answers:

  1. Name of the sponsor.
  2. Primary purpose of the contact.

    Prior to commitments by customers:
  3. Cost of goods or services.
  4. All terms, conditions, payment plans and the amount or existence of any extra charges such as shipping and handling.
  5. A person may not make a telephone solicitation under the guise of research or a survey when the real intent is to sell goods or services.

The person making a telephone solicitation for the sale of goods or services may not request a credit card number before the prospective purchaser expresses a desire to use a credit card to pay for the purchase.
A seller must inform each buyer orally, at the time he signs the contract or purchases the goods or services, of his right to cancel
    GGG, R*

    *Previous purchase required
    D, GGG, H, P, W, WW*

    *If goods or services are needed to meet a bona fide immediate personal emergency of the buyer.

57-12-22 (B)

57-12-21 (A)(5)
New York

At beginning of call before financial information disclosed:

  1. Purpose of the call is to offer goods or services for which a fee will be charged or to provide an investment opportunity.
  2. Caller's name.
  3. Person on whose behalf the solicitation is being made.
  4. Identity of goods or services for which a fee will be charged.

Before end of call:

  1. Cost of goods or services that are the subject of the call.
  2. In a prize promotion, the odds of winning or factors used in calculating the odds, that no purchase or payment is required to win and the no purchase no payment method of participating.
     R
399-pp(6)
North Carolina
1. Seller must inquire as to whether the prospective purchaser is under 18 years of age.
2. At the beginning of the telephone solicitation, identity of the telephone solicitor and the individual making the telephone solicitation.
3. Upon request, provide the person being called with the telephone number or address at which the person or entity may be contacted.
4. Caller must terminate the call if the person called does not consent.**

 

    A, B, C, D, E, F, G, H, I K, L, LLL, N, P, Q, QQ, U, W

    J

66-264

75-102(c)
North Dakota

Immediately and clearly at the beginning of the call:

  1. Caller's true first and last name.
  2. Caller's telephone number.
  3. Caller's city and state of location.
  4. Name of the business on whose behalf the telephone solicitation is made.
The seller shall orally inform the buyer, at the time the transaction is entered into, of the buyer's right to cancel.

 
    B, BBB, C, GG, J, R, WW
    E, EEE, H, I, QQ,

Sales when the seller provides that the consumer may receive a full refund for the return of undamaged and unused goods if the consumer requests a refund no later than 15 days after the date the consumer receives the goods and if the seller provides the refund within 30 days after the date the seller receives the returned goods from the consumer. The return and refund privilege must be disclosed to the consumer orally and in writing with delivery of the goods.

Sales when the seller provides that the consumer may receive a full refund for a cancellation of services if the consumer requests a refund no later than 15 days after the date the consumer receives the services and if the seller provides the refund within 30 days after the consumer cancels the order for the purchase of services not performed or provides a proportional refund for any services not yet performed for the consumer. The return and refund privilege must be disclosed to the consumer orally and in writing with delivery of the services.

51-28-07

51-18-02
Ohio

Within first 60 seconds and before requesting financial information:

  1. Caller's true name.
  2. Company on whose behalf the solicitation is being made.
  3. Purpose of the call is to effect a sale.
  4. Identify the goods or services being sold.

If sale is completed during call:

  1. Street address and telephone number of caller.
  2. Total costs to purchase, receive, or use the goods or services.
  3. All material restrictions, limitations, or conditions.
  4. All material terms and conditions of the caller's policy of making refunds, cancellations, exchanges, or repurchases.
  5. In any prize promotion, description of prize, market value, material conditions, odds of winning, factors and methods used to calculate odds, and no purchase or non payment method of participating.
At the time the supplier initially contacts the consumer, and before asking any questions:
  1. That the purpose of the contact is to effect a sale.
  2. In general terms, the goods or services the supplier has to offer.

A, B, C, D, E, F, G, GG< H, HHH, I, III, J, K, KK, M, N, NN, R*, RR, S, TT, U, V, W

*Previous purchase if required.






N/A

4719.06








Admin. Code 109:4-3-11(A)(1)
Oklahoma
  1. Purchaser has cancellation rights.
  2. If make reference to compliance with State Commercial Solicitation Act, must state that compliance with the Act does not constitute approval by any governmental agency of the seller's marketing, advertisements, promotions, goods or services.
     B, BBB, C, D, E, F, G, H, I, J, K, M, N, P, Q, S, TT, U, W, Z
T. 15, 775A.4
Oregon
*These disclosure requirements only apply to prize promotion representations.
  1. Complete street address of the location from which the salesperson is calling.
  2. Total number of individuals who have actually received the prizes of greatest value and smallest odds of being received.
  3. Name under which the seller conducts business.
  4. Other information required in registration.
Inquire whether the person called is interested in listening to a sales presentation and subsequently discontinue the call if a negative response is given.

    B, BB, D, E, F, G, H, I, KK, L, N, O, QQ, R*, V, W, X

    *Previous purchase required

None.
646.557
646.611
Pennsylvania
Promptly during the initial telephone contact:
  1. Purpose of the call.
  2. Name of the caller or business.
  3. What the caller or business is selling.
  4. For prize promotions, the odds of winning, no purchase or payment is necessary to win, any restrictions or conditions on winning a prize, no purchase no payment method of participation, and material costs or conditions to win a prize.
Caller must end call when consumer indicates he or she wants to end the call.**
  1. Name of the caller.
  2. Name of the person or entity on whose behalf the call is being made.
  3. Upon request, a telephone number or address at which the person or entity may be contacted.

    B*, C, E, F, J, K, N, Q, R**, S, T, Z

    *But not if a professional fundraiser is used

    **If the caller has operated under the same name for at least 3 years.
    AAA, B, GG, J, R, WW
    AAA, B, GG, J, R, WW
73 P.S. 2245(a)(5)
73 P.S. 2245(a)(8)

73 P.S. 2245.2(j)

Puerto Rico

At the beginning of the call and prior to requiring any payment:

  1. The true purpose of the call.
  2. The ream name of the company or entity initiating the telephoone call.
  3. The goods or services being offered.

 Clearly and in detail:
  1. The total cost for the consumer of the sale of goods to be received.
  2. Any restriction, limitation, or condition on the purchase or use of the goods subject to the sale.
  3. Any cost or condition related to the granting of prizes, including the probabilities of winning the prize and the nature and value of the prize.
  4. The exact amount of the offer.
  5. The quality and basic characteristics of the goods or services being offered.

None
10 L.P.R.A § 4032
Rhode Island
 *These disclosure requirements only apply to prize promotion representations.

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. Purchaser's cancellation rights.
  2. Registration number issued by the state for both the telephonic seller and the salesperson.
  3. Street address of the seller.

    A, BB, D, E, F, G, I, KK, N, O, Q, R*, W, Z

    *Previous purchase required

5-61-3.3
South Carolina
  1. Identity of seller.
  2. That the purpose of the call is to sell goods or services.
  3. Nature of goods or services.
  4. That no purchase or payment is necessary to be able to win a prize.
  5. Cost of merchandise or method of estimation.
  6. Payment plan.
  7. Extra or special charges such as shipping, handling, and taxes.
     AAA, J, R, WW
16-17-445
South Dakota

Immediately:

  1. Caller's true name.
  2. True name of the telemarketer by whom they are employed.
  3. True name and address of the business on whose behalf the person is soliciting.
  4. Purpose of the call.

Within 30 seconds of beginning:
Whether the person is interested in listening to a sales presentation and if a negative response is received discontinue the call.

 AAA, E, J, R, WW
37-30A-2
Tennessee
 At the beginning of the call:
  1. Identity of person initiating the call.
  2. Entity or organization the caller represents.
     B*, J, JJJ, R, WW

    *Only if the call is made by a member, volunteer, or employee of the charity
65-4-402
Texas

After making contact:

1) Caller's name.
2) Business on whose behalf the caller is calling.
3) Purpose of the call.
When the solicitation is made and before consummation of any sales transaction:

4) The complete street address of the location from which the salesperson is calling.
5) If the seller represents or implies that the purchaser will receive a prize, must disclose the total number of individuals who have received a prize in the last 12 months and the odds of winning.
6) The consumer's rights to cancel the transaction.
    AAA, J, R, WW

    A, AA, B, E, F, G, H, I, J, K, L, M, N, P, Q, QQ*, R**, S, U

* But not autodialers
** If the caller has been in business at least 2 years under the same business name.

    AAA, H, KK, W
B & C 301.051 (b)(1)
B & C 302.202
B & C 601.152
Utah

1) Identity of caller.
2) Identity of business on whose behalf the person is soliciting.
3) Purpose of the call promptly upon making contact.
4) Caller must discontinue the call if the person called gives a negative response at any time.**

5) If a solicitor required to be registered fails to orally advise a purchaser of the right to cancel at the time of any solicitation, the purchaser's right to cancel shall be extended to 90 days.
6) If the solicitor required to be registered fails to orally advise the purchaser of his true name, telephone number, and complete street address at the time of any solicitation, the purchaser may cancel the sale at any time.

7) A solicitor must orally advise the purchaser of his or her right to cancel the sale up to midnight of the third business day after the receipt of the merchandise.
AAA, R, WW

    A, B, E (newspaper only), F, G, K, M, N, P, QQ, R, S*, U, Z

A, B, E, (newspaper only), F, G, K, L, M, N, P, QQ, R, S*, U, Z
13-25a-103
13-26-5
13-26-11-(1)(f)
Vermont
 If a telemarketer obtains funds from a person's financial account by means of an electronic funds transfer, the telemarketer must record the entire telemarketing call and clearly state the following:
  1. That the consumer is authorizing the transfer from his or her account.
  2. The consumer’s name.
  3. A description of the specific goods or services offered.
  4. Any material terms of the transaction.
  5. The date on or after which the account will be debited.
  6. The amount of the transfer.
  7. A telephone number for consumer inquiries that is answered during normal business hours.
  8. The date of the authorization.
"When obtaining or submitting for payment a check, draft, or other form of negotiable instrument drawn on a person's financial account, the consumer's prior written authorization must be obtained. 		Persons submitting payment when the consumer authorizing the submission has prior to July 1, 1997 entered into a written contract with the person

G*, J**, QQ, R

*Must be federally insured depository institution or a subsidiary.
**If calls concern collection of an amount due for goods or services previously purchased.
9 VSA 2464(VT HB 306)
Virginia
 Promptly, upon making contact:
  1. First and last name of caller.
  2. Name of person on whose behalf the call is being made.
     J, R, W
59.1-512
Washington

Within first 30 seconds of the call:

  1. Caller's name.
  2. Name of company on whose behalf the call is being made.
  3. Purpose of call.
Within the first minute of the call:
  1. Identity of the commercial telephone solicitor or salesperson,
  2. The company on whose behalf the solicitation is being made,
  3. The property, goods, or services being sold.
 If a sale or agreement to purchase is completed:
  1. The purchaser’s cancellation rights,
  2. The registration number issued by the department of licensing,
  3. The street address of the seller.
  4. Caller must terminate the call within 10 seconds if the purchaser indicates he or she does not wish to continue the call.
    5.

    B*, GG, J, WW     *Only if calls are made to its own list of bona fide or active members of the organization

    A, B, BB, C, D, E, G, H, I, J, KK, LL, N, P, Q, QQ, R*, U, V, W, X

    *If previous purchase is made

80.36.390
19.158.110
West Virginia
 Promptly:
  1. True identity of the caller.
  2. Purpose of the call is to sell consumer goods or services.
  3. Nature of the goods or services offered for sale.
Before a consumer pays for the goods or services offered for sale:
  1. Total costs to purchase, receive, or use the goods or services.
  2. Quantity of the goods or services.
  3. Material restrictions, limitations, or conditions.
  4. Material aspects of the nature or terms of the refund, cancellation, exchange or repurchase policy.
  5. Material aspects of the performance, quality, efficacy, nature or basic characteristics of the goods or services.
  6. Material aspects of a prize promotion including description of prizes, statement of true retail value, all material conditions, clear statement that no purchase necessary, actual number of prizes, odds of winning.

    B, C, D, E, F, G, H, I, J, L, M, N, P, Q, QQ, R, S, U, W

46A-6F-401
Wisconsin
 Before asking any questions or making any statements other than an initial greeting:
  1. Name of principal seller.
  2. Name of individual making the solicitation.
  3. That the seller is offering or promoting the sale of consumer goods or services.
Before the consumer enters into any purchase contract, and before the seller takes the consumer's credit card number or accepts any payment from the consumer:
  1. The nature of the goods or services.
  2. Total cost to purchase and receive the goods or services.
  3. All material terms and conditions affecting the sale, receipt, or use of the goods or services.
  4. The principal seller's mailing address or a local or toll-free number at which consumer may contact the seller.
  5. Seller's policy related to refunds, cancellations, exchanges, or repurchases if the seller has a policy that prevents or limits refunds, cancellations, exchanges, or repurchases or the seller makes nay claim or representation regarding the refunds, cancellations, exchanges, or repurchases.

    J, W
Ad. Code 127.04
Wyoming
 At the outset of the conversation and in a clear and conspicuous manner:
  1. Name of the individual caller.
  2. Identity of the caller or merchant.
  3. Telephone number and address at which the caller or merchant may be contacted.
  4. That the purpose of the call is to sell consumer goods or services.
  5. Nature of the consumer goods or services.
     AAA, J, KKK, R, WW
40-12-302(a)

*Please see statute for specific exemptions.
**Please see Immediate Disconnect chart.

Disclosures in bold face type require immediate disconnection if the caller receives a negative response.

    Key for Exemptions from State Requirements:
A. Isolated transactions.
B. Non-profit organizations
C. Calls to set appointments (i.e. later face-to-face meeting)
D. Licensed securities/investment brokers or dealers
E. Sale of newspapers, periodicals of general circulation, or magazines
F. Book, video or record clubs or contractual plan or arrangement
G. Supervised financial institutions
H. Licensed insurance professionals
I. Sale of cable television systems
J. Business-to-business sales (varying state laws may impose limitations for this exemption to apply)
K. Issuers of qualified catalogs
L. Calls for maintenance or repair of goods previously purchased
M. Telephone or utility companies
N. Publicly-traded companies
O. Calls for the sale of telephone answering services
P. Calls regarding transactions regulated by the Commodity Futures Trading Commission
Q. Calls for the sale of food. (varying state laws may impose price limitations)
R. Existing business relationship (time period may vary from state to state)
S. Retail business establishments with majority of sales at business location
T. Registered sellers of vacation time share plans
U. Telephone marketing service companies providing service under contract to sellers which have been operating continuously for 5 years under the same business name and 75 percent of its contracts are performed on behalf of person(s) otherwise exempt from the commercial telemarketing statute. (A variation of this exemption exists in Washington and Wyoming, please refer to these statutes for more detail).
V. Calls from a person licensed as a funeral director
W. Licensed real estate brokers
X. Licensed contractors
Y. Sale of personal property if made by hand
Z. Person with a professional license issued by the state
AA. Calls soliciting a transaction directed to a purchaser in which goods are subject to sales tax in a resale by purchaser
BB. Sellers of franchises
CC. Sellers of seller-assisted marketing plans
DD. A person who sells coins or bullion at a price which is not more than 25 percent more than the price at which the seller is concurrently buying the same coins or bullion.
EE. Persons licensed under the California Code to receive money for transmittal to foreign countries
FF. Corporation that has been exempt from taxation under California Code for a minimum of 10 years, has maintained its principal purpose for a minimum of 10 years and has been incorporated in the state for a minimum of 25 years.
GG. Political calls
HH. Calls made for sales of any goods whenever the person allows a 7-day review period and a full refund within 30 days
II. Registered sellers of travel
JJ. Calls from an organization which made less than 60% of its prior year's sales as a result of telephone solicitations.
KK. Seller of agricultural commodities
LL. Commercial debt collection calls
MM. Calls for the sale of livestock
NN. Publishers, or a publisher's agent operating under a written agreement between a publisher and the agent, who is soliciting the sale of a publisher's magazine
OO. Persons who after making a telephone contact with a consumer sends the consumer descriptive literature and does not require payment before the consumer's review of the descriptive literature and the person is not conducting a solicitation involving any of the following: the sale of an investment or an opportunity for an investment that is not registered with any state or federal authority, a prize promotion or premium, or a recovery service.
PP. Persons or their solicitors if the following are true:
(i) At least fifty per cent of the person's dollar volume consists of repeat sales to existing businesses.
(ii) The person does not conduct a prize promotion that requires or implies that to win a consumer must pay money or purchase merchandise.
(iii) Neither the person nor any of the person's principals has within twenty years been convicted in any state of a felony or crime of moral turpitude, breach of trust, fraud, theft, dishonesty or violation of telephone solicitation laws, been subject to a final judgment in a civil action involving fraud, deceit or misrepresentation or been subject to an administrative order involving fraud, deceit, misrepresentation or any violation of telephone solicitations laws of any agency of this state, another state, the federal government, a territory of the United States or another country.
QQ. The sale of goods or services for which the terms and conditions of offering or sale are subject to regulations by a state Public Utilities or Public Service Commission or the Federal Communications Commission (FCC), such sales being governed by the provisions of applicable rate sheets, tariffs or rules of those Commissions.
RR. Fundraising on behalf of a college or university or any other public or private educational institution.
SS. Merchants or telemarketers located in the state to locations outside of the State.
TT. A political subdivision or instrumentality of the United States or any state of the United States.
UU. Calls from licensed burial associations.
VV. Any person selling any intangibles (“Intangible property” includes, under California tax law, stocks, bonds, notes, notes, bank deposits, accounts receivable, patents, trademarks, copyrights, goodwill, partnership interests, life insurance policies. 2 CCR 1138.22; 18 CCR 13303.3; 18 CCR 15103.3.
WW. Calls made in response to the express request of a consumer.
XX. 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.
YY. Calls made by an autodialer.
ZZ. Calls by licensees under the Illinois Consumer Installment Loan Act.
AAA. Calls in connection with an existing debt or contract.
BBB. Calls for the purpose of conducting marketing research, or public opinion polling, but not involving telephonic solicitation.
CCC. Calls for a non-commercial purpose.
DDD. Calls for the sale of a motor vehicle made at a place other than the buyer’s residence.
EEE. Sales for less than $25
FFF. Sellers who conduct business where the post office box, street address representing a site used for the receipt or delivery of mail, or telephone answering service is ancillary to the sales made.
GGG. Calls in which the purchaser is accorded the right of rescission.
HHH. A person licensed to sell or issue Ohio instruments designated as travelers checks.
III. Home health agencies.
JJJ. Calls made on behalf of a business if a direct employee of the business makes the call, the call is not part of a telecommunications marketing plan, the business has a reasonable belief that the person called is considering purchasing the service or product, the business does not sell or engage in telemarketing services, and the business does not make more than 3 such calls in any one week.
KKK. Calls by a seller or merchant making less than 225 calls per year.
LLL. Any passenger airline licensed by the Federal Aviation Administration.
   20090325

Publish Date: January 11, 2010

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