What are Connecticut's telemarketing rules?
| Rule | What Connecticut law says | Source |
|---|---|---|
| Calling hours | Telephonic sales calls only between 9 a.m. and 8 p.m. local time. | § 42-288a(c) |
| Consent | No telephonic sales call to a consumer without prior express written consent. The consent must disclose how the telemarketer will call, such as an automated dialing system, a recorded message device or soundboard technology. | § 42-288a(l); § 42-284(14) |
| Disclosure | Within 10 seconds: the caller's identity, the purpose and the company. At the start, ask whether the person wants to continue, end the call or be removed. | § 42-288a(d)-(e) |
| Ending and removal | End the call within 10 seconds of a request; on a removal request, stop calling any number associated with the consumer. | § 42-288a(f)-(g) |
| Do-not-call list | Connecticut's “no sales solicitation calls” list is identical to the National Do Not Call Registry. | § 42-288a(a) |
| Caller ID | No blocking, and no inaccurate or misleading caller ID. | § 42-288a(h) |
| Penalties | A violation is an unfair trade practice under CUTPA; fines up to $20,000 per violation. | § 42-288a(k), (o) |
Federal rules apply on top of these: the TCPA, the FCC's rules in 47 CFR § 64.1200 and the FTC's Telemarketing Sales Rule. See Can AI call life insurance leads?
Do Connecticut's rules apply to licensed insurance agents?
Yes, as far as we could find. Chapter 743m has no insurance exemption from § 42-288a; the exemptions in § 42-287 cover banks, broker-dealers and others, and only for the contract rules (§ 42-287). Read the definition of “telephonic sales call” in § 42-284 with counsel: it leaves out some calls, such as calls the consumer asked for and calls to existing customers who haven't opted out.
Can an AI voice call leads in Connecticut?
Only with prior express written consent, and Connecticut's consent has to say how you'll call. The definitions name an automated dialing system, a recorded message device and “soundboard technology,” and cover artificial or prerecorded voice (§ 42-284). If your consent language doesn't describe an AI or artificial voice, don't use it for AI calls in Connecticut.
Every Connecticut sales call also has to give the disclosures and the continue, end or remove question at the start, AI or human.
How do Polca's calling limits compare with Connecticut's rules?
On every call, AI and human, Polca calls only between 9 a.m. and 7 p.m. in the lead's local time (checked against the lead's state and area code), never dials on Sundays, checks the agency's opt-out list at dial time, adds opt-outs it detects on calls, caps attempts per lead, and gives the agency a kill switch. Agencies can tighten these limits (narrower hours, lower caps) but cannot loosen them.
- Hours: Polca's 9 a.m. to 7 p.m. window is inside Connecticut's 9 a.m. to 8 p.m.
- Removal requests: opt-outs Polca detects on calls go on your agency's opt-out list and are suppressed platform-wide, including for manual dialing.
- 10-second disclosure and the continue/end/remove question: your agency's script and configuration have to include them.
These limits do not cover every state rule. Polca's Calling & AI Voice policy says state holiday or emergency restrictions and state rules stricter than these limits are the agency's responsibility. Polca does not scrub lists against the National Do Not Call Registry or any state list, and its own registrations do not cover the agency. Your agency has to check the rules of every state it calls.
What should an agency calling Connecticut leads do?
- Check that consent for Connecticut leads names your agency and the way you call (AI or artificial voice included).
- Put the identity, purpose, company and continue/end/remove question in the first 10 seconds.
- Scrub the National Do Not Call Registry, which is Connecticut's list too.
This page is general information from Polca (polca.ai), not legal advice. Read the linked statute and talk to your own counsel before you rely on it.
Common questions
What are the telemarketing hours in Connecticut?
9 a.m. to 8 p.m. local time (Conn. Gen. Stat. § 42-288a(c)).
Does Connecticut require written consent for sales calls?
Yes. Section 42-288a(l) bars telephonic sales calls without prior express written consent, subject to the definition of a telephonic sales call in § 42-284.
Does Connecticut have its own do-not-call list?
Its list is identical to the National Do Not Call Registry (§ 42-288a(a)).
Sources
- Conn. Gen. Stat. ch. 743m, §§ 42-284 to 42-289 (telephonic sales calls)
- Connecticut Public Act 23-98 (2023), rewriting § 42-288a effective Oct. 1, 2023
- FCC Declaratory Ruling FCC 24-17 (AI-generated voices are “artificial” voices under the TCPA), released Feb. 8, 2024
- 47 CFR § 64.1200 (FCC telemarketing and robocall rules)
- Polca Calling & Recording Policy
This page is general information, not legal advice. Laws and rules change; check the sources and talk to your own counsel.
Calling limits that can't be loosened.
Polca calls 9 a.m. to 7 p.m. in the lead's local time, never on Sundays, with opt-outs, attempt caps and a kill switch on every call. Your agency checks the state rules on top.
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