State RegulationsAZ specificDifficulty 2/5
A telemarketer calls a consumer's home shortly before 8 a.m. in the consumer's local time to pitch an insurance product. Which rule has the caller violated?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
The federal Telemarketing Sales Rule at 16 CFR 310 forbids live solicitation calls before 8 a.m. or after 9 p.m. in the consumer's local time. Arizona's do-not-call statute, A.R.S. 44-1282, penalizes unwanted solicitation calls but imposes no time-of-day limits, so the early-morning call is a federal Telemarketing Sales Rule violation rather than a state-law one.
Why the other options are wrong
- A) Arizona's law contains no calling-hours window; the early-morning limit is federal.
- B) the CAN-SPAM Act governs email, not telephone calls.
- C) the Gramm-Leach-Bliley Act addresses the privacy of financial information, not the timing of calls.
Memory hook
Before eight? Violation.