How the TCPA applies to businesses
The FCC’s robocall rules require prior written consent before prerecorded telemarketing calls to home or wireless numbers, and oral or written consent before autodialed or prerecorded calls or texts to wireless numbers, with exceptions such as emergency calls. On February 8, 2024, the FCC ruled that AI-generated voices are “artificial” under the TCPA, bringing AI voice calls under the same rules.
The rules focus on outbound contact: calls and texts a business initiates. Answering calls customers place to you is a different situation, but follow-up texts and calls still need the right consent. This page is general information, not legal advice; check with counsel for your situation.
Example: an insurance agency’s lead list
An insurance agency buys a list of quote leads and considers having an AI voice call each one. Under the FCC’s 2024 ruling, those AI-voice calls are subject to the TCPA’s consent requirements, so the agency would need prior consent from each person. Instead, it answers inbound quote calls with AI and follows up only with people who asked. This scenario is illustrative.
How InsertChat fits the rules
InsertChat’s AI receptionist answers calls customers place to you; InsertChat does not make AI outbound calls. Follow-up texts and emails the assistant proposes always wait for approval from an owner, admin, or manager and need the customer’s consent before they are sent.
Texts honor opt-out keywords such as STOP, and START opts back in. You remain responsible for how your business contacts customers. See the insurance agency setup.
