Compliance

TCPA Compliance

Last updated: March 21, 2026

LeadsHello is built from the ground up with TCPA compliance at its core. Every message sent through our platform is governed by automated safeguards that protect consumers and keep your agency compliant.

EXAMPLE

Sample Opt-In Consent Language

Lead forms and landing pages must include clear, conspicuous consent language. Below is a full example that covers SMS, voice calls, and AI — suitable for insurance lead generation forms:

John Smith
(555) 123-4567
[email protected]

By checking this box, I provide my express written consent to be contacted by [Agency Name] and its authorized partners, including via automated text messages (SMS/MMS), automated and prerecorded voice calls, and artificial intelligence (AI)-generated or AI-assisted calls and messages, at the phone number provided above, for the purpose of providing insurance quotes and related information. I understand that:

  • Consent is not required as a condition of purchasing any insurance product or service.
  • Message and data rates may apply. Message frequency varies.
  • I may revoke consent at any time by replying STOP to any text message or by contacting the agency directly.
  • I may text HELP for assistance at any time.
  • I have read and agree to the Terms of Service and Privacy Policy.
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Why this language matters:

  • ✓ Automated texts & calls: Explicitly covers SMS/MMS and prerecorded/autodialed voice calls as required by the TCPA.
  • ✓ AI disclosure: Per the FCC's February 2024 ruling, AI-generated voices are "artificial" under TCPA — consent must specifically mention AI.
  • ✓ Not a condition of purchase: Essential safe harbor — consent cannot be required to buy insurance.
  • ✓ Clear opt-out mechanism: STOP keyword and alternative contact method disclosed upfront.
  • ✓ Unchecked by default: The checkbox must not be pre-checked — the consumer must take affirmative action.

This is a sample and does not constitute legal advice. Consult with your compliance attorney to ensure your consent language meets all applicable federal, state, and carrier requirements.

Our Compliance Commitment

The Telephone Consumer Protection Act (TCPA) sets strict rules for automated text messaging and calls. As an AI-powered platform that sends SMS on behalf of insurance agents, LeadsHello takes these requirements seriously. Compliance is not optional — it is built into every layer of the platform.

We designed LeadsHello so that agents using the platform are protected by default. Our automated systems enforce the rules below without requiring manual action from agents.

Prior Express Written Consent

Under the TCPA, businesses must obtain prior express written consent before sending automated marketing text messages to consumers. This means:

  • ✓ Consumers must actively opt in to receive messages — pre-checked boxes do not count.
  • ✓ The opt-in must clearly disclose that the consumer agrees to receive automated text messages.
  • ✓ Consent cannot be a condition of purchasing insurance or any other product or service.
  • ✓ Lead vendors who supply leads to agents must collect consent that meets TCPA standards.

How LeadsHello helps: We require agents to confirm that all lead sources provide TCPA-compliant consent. Our platform logs the source, timestamp, and consent mechanism for every lead that enters the system.

Opt-Out Compliance

Consumers have the right to stop receiving messages at any time. The TCPA requires that opt-out requests be honored immediately.

  • ✓ Consumers can text STOP at any time to immediately opt out of all messages.
  • ✓ LeadsHello automatically processes STOP requests and sends a confirmation message.
  • ✓ Once opted out, no further messages are sent — regardless of agent actions or AI behavior.
  • ✓ Opt-out status is enforced at the platform level and cannot be overridden by individual agents.
  • ✓ Consumers can text HELP for support information at any time.

Quiet Hours Enforcement

The TCPA prohibits calls and text messages before 8:00 AM and after 9:00 PM in the consumer's local time zone.

  • ✓ LeadsHello automatically determines the consumer's time zone based on their area code and carrier data.
  • ✓ Messages scheduled outside quiet hours are held and delivered at the next permitted window.
  • ✓ This enforcement applies to all messages — including AI-initiated follow-ups and agent-triggered sends.
  • ✓ Agents can configure stricter business hours (e.g., 9 AM - 7 PM) but cannot expand beyond TCPA limits.

Do Not Call (DNC) List Compliance

LeadsHello maintains multiple layers of DNC protection:

  • ✓ Internal DNC list: Numbers that have opted out are permanently added to the platform's Do Not Contact list.
  • ✓ Agent-level DNC: Agents can add numbers to their own DNC list at any time.
  • ✓ Bulk import: Agents can upload existing DNC lists via CSV to ensure legacy opt-outs are honored.
  • ✓ Every outbound message is checked against all DNC lists before sending.

Consent Record Keeping

The TCPA requires that businesses maintain proof of consent. LeadsHello automatically records and retains:

  • ✓ The date, time, and method of consent for every lead.
  • ✓ The lead source and any associated consent language.
  • ✓ Complete message history for every conversation.
  • ✓ Opt-out events with timestamps and confirmation records.
  • ✓ All compliance-related events are logged in an immutable audit trail.

Consent records are retained for a minimum of 4 years per FCC guidelines, even after account cancellation.

State-Level Regulations

In addition to federal TCPA requirements, many states have enacted their own telemarketing and messaging regulations. Notable state laws include:

  • • Florida (TCFPA): Requires written consent specific to each seller; stricter quiet hours (8 AM - 8 PM); limits on follow-up attempts.
  • • Oklahoma: Requires registration for automated messaging and explicit prior consent.
  • • Washington: Expanded definition of automated messaging with additional consent requirements.
  • • Maryland, Connecticut, others: Various state-specific calling and texting restrictions.

LeadsHello monitors state-level regulations and updates platform rules accordingly. Agents should consult with their compliance or legal advisors for state-specific obligations related to insurance marketing.

Insurance Industry Compliance

Insurance marketing is subject to additional regulations beyond the TCPA. LeadsHello is designed with insurance-specific compliance in mind:

  • ✓ AI-generated messages do not make coverage promises, binding quotes, or guarantees.
  • ✓ All conversations are positioned as connecting consumers with a licensed agent — not as insurance advice.
  • ✓ Agents are required to hold valid insurance licenses in their operating states.
  • ✓ Message templates and AI behavior are reviewed to avoid misleading or deceptive practices.

Consumer Rights

If you are a consumer who has received messages through the LeadsHello platform:

  • • Opt out: Reply STOP to any message to immediately stop all future messages.
  • • Get help: Reply HELP to any message for support contact information.
  • • Request your data: Contact us to request a copy of the data associated with your phone number.
  • • File a complaint: Contact us directly, or file a complaint with the FCC at fcc.gov/consumers/guides/filing-informal-complaint.

Contact Us

For questions about TCPA compliance, our messaging practices, or to report a concern: