Practical guidance for insurance agents, not legal advice. Laws change faster than blog posts; your counsel beats our library. Last reviewed: July 16, 2026.
At least six states run “mini-TCPA” laws tougher than federal rules: Florida, Texas, Oklahoma, Maryland, Washington, and Oregon. The common pattern: 8am–8pm calling windows, a cap of 3 attempts per 24 hours, broader autodialer definitions, and private lawsuits with statutory damages. If you dial across state lines, the strictest rule is your rule.
Last reviewed: July 16, 2026 — displayed prominently beside this table by design.
| State | What’s stricter than federal |
|---|---|
| Florida (FTSA) | Written consent required for calls made with an automated system that both selects and dials numbers. Window 8am–8pm, max 3 attempts per 24 hours on the same subject, state DNC registry, private right of action at $500–$1,500 per violation. Heavy serial-plaintiff activity; treat Florida as the strictest large state. |
| Texas (Ch. 302/305, amended September 2025) | “Telephone solicitation” now expressly includes texts. Sellers may need to register with the Secretary of State ($200 per location plus a $10,000 bond) unless exempt, and violations now piggyback on the Deceptive Trade Practices Act: treble damages, attorney’s fees, and repeat suits by the same consumer. ⚠ Insurance-licensed agents have a strong exemption argument on the registration piece; confirm your license type with counsel before relying on it. |
| Oklahoma | A close Florida clone: written-consent rules for automated systems, 8am–8pm window, 3 attempts per 24 hours, private right of action at $500–$1,500. |
| Maryland (“Stop the Spam Calls Act”) | A written-consent regime modeled on Florida’s, applying to callers and text senders alike, in force since January 2024. Civil penalties reach $5,000 per violation with criminal exposure in aggravated cases. |
| Washington | Robust state telemarketing law with unusual teeth: once a consumer indicates they do not want the call, you must end it within a short statutory window, and violations carry per-call penalties with a private right of action. Attorney General enforcement is active. |
| Oregon (effective January 2026) | The newest mini-TCPA: written-consent rules for automated calling, 8am–8pm window, 3 attempts per day. ⚠ Implementation details are still settling; check current guidance before campaigns in Oregon. |
Separate from the mini-TCPAs, eleven states keep their own do-not-call registries requiring their own scrubs: CO, FL, IN, LA, MA, MO, OK, PA, TN, TX, WY. DAITA DRIVE files arrive scrubbed against all eleven plus the federal registry. More in DNC scrubbing, explained.
Rather than tracking six rulebooks in your head, run the tightest common denominator everywhere: manual live-voice dialing, 8am–8pm in the prospect’s local time, no more than 3 attempts in 24 hours, immediate opt-out honoring. Every DAITA DRIVE record ships with its local time zone and the applicable state window attached, so the rule rides on the lead.
A dated scrub certificate covering the federal DNC registry and 11 state registries. Known-litigator screening. Wireless flags and local time zones on every number. Per-state calling windows and attempt caps attached. Sold for manually dialed, live-voice calling plus mail and door outreach, and never represented as anything else.
The only leads you can defend.
Watch this page; the “last reviewed” date at the top updates with every revision, and bills are pending in several more states. Better: run the practical floor above, which already clears every enacted state standard for manual live-voice calling.
Yes. Telemarketing rules attach to the call, not the license. An insurance license may affect registration requirements in some states (Texas being the live example), but windows, attempt caps, and consent rules apply regardless.