What are Mississippi's telemarketing rules?
| Rule | What Mississippi law says | Source |
|---|---|---|
| Calling hours | Only between 8 a.m. and 8 p.m. Central Standard Time; no solicitations on Sunday. | Miss. Code § 77-3-723(1) |
| Identification | At the beginning of each call: the caller's name, the company and the purpose of the call. | § 77-3-723(1) |
| Recorded voice | No automated dialing system with a recorded voice message unless the caller has an established business relationship with the consumer and uses it to tell them about a new product or service. | § 77-3-723(2) |
| Do-not-call list | Mississippi uses the federal registry; solicitors get the list from the FTC. | § 77-3-705(j); § 77-3-707(1); AG FAQ |
| Registration | Telephone solicitors register with the Attorney General. Exempt: an insurance agent soliciting the business of insurance, but not a person calling for an issuer about a Medicare supplement policy. | § 77-3-713; § 77-3-711(d) |
| Medicare Advantage | No telephone solicitation about a Medicare Advantage plan unless the person called first, except where federal law preempts. | § 77-3-707(4) |
| Penalties | Attorney General civil penalty up to $10,000 per violation; each call is a separate violation. | § 77-3-725 |
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 Mississippi's rules apply to licensed insurance agents?
Partly. Licensed agents soliciting insurance are exempt from Attorney General registration (§ 77-3-711(d)), but the hours, Sunday ban, identification and recorded-voice rules in § 77-3-723 apply to authorized solicitations, including calls by exempt solicitors. The exemption does not cover Medicare Advantage calls, which § 77-3-707(4) bars unless the consumer called first (HB 1350 (2024)).
Can an AI voice call leads in Mississippi?
Carefully. Mississippi limits automated dialing systems that use a recorded voice message to calls to existing customers about a new product or service (§ 77-3-723(2)). The statute says nothing about written consent as an alternative. Whether an AI-generated voice counts as a “recorded voice message” under this section is a question for counsel. Until you have an answer, consider calling Mississippi leads with a person.
How do Polca's calling limits compare with Mississippi'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 and Sundays: Polca's 9 a.m. to 7 p.m. local window and no-Sunday rule are inside Mississippi's 8 a.m. to 8 p.m. Central Standard Time.
- AI voice: Polca leaves the decision to your agency. You can keep Ava off Mississippi lists and call them with a person on the power dialer.
- Medicare Advantage: Polca's limits don't cover this ban. Keep Medicare Advantage leads out of outbound lists for Mississippi unless the person called first.
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 Mississippi leads do?
- Get counsel's view on § 77-3-723(2) before an AI voice calls Mississippi leads.
- Give the caller's name, agency and purpose at the start of every call.
- Keep Medicare Advantage outbound solicitations out of Mississippi unless the consumer called first.
- Scrub the federal registry, which is Mississippi's list.
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 Mississippi?
8 a.m. to 8 p.m. Central Standard Time, and no solicitations on Sunday (Miss. Code § 77-3-723(1)).
Are insurance agents exempt from Mississippi's telemarketing law?
From Attorney General registration, yes, except for Medicare supplement issuer calls. The hours, Sunday ban, identification and recorded-voice rules still apply.
Can you cold call about Medicare Advantage in Mississippi?
No. Since July 1, 2024, § 77-3-707(4) bars telephone solicitations about Medicare Advantage plans unless the person called first, except where federal law preempts.
Sources
- Mississippi HB 1225 (2023), Telephone Solicitation Act as enacted
- Mississippi HB 1350 (2024), amending Miss. Code §§ 77-3-707, -711 and -723, effective July 1, 2024
- Mississippi Attorney General: telephone solicitation FAQ
- 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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