Explain to me how this is compliant:

[Tahoe Ray]

No direct mail piece I've ever seen has that type disclosure

It's not required.

 

[riders_onthestorm]

Changes to Telephone and Text Message Marketing​

Effective July 1, 2025, Virginia's General Assembly has amended the Virginia Telephone Privacy Protection Act through Senate Bill 1339 (SB 1339). This law impacts agents' telephone and text message marketing across the state. Definition of "Telephone Solicitation Call" A "telephone solicitation call" now includes: Any phone call made or initiated to: A natural person's residence in Virginia Any landline or wireless phone with a Virginia area code Any landline or wireless phone registered to a Virginia resident Any text message sent to: A wireless number with a Virginia area code A wireless number registered to a Virginia resident If the purpose is to: Offer or advertise any property, goods, services, lease, license, investment, or credit Engage in any fraudulent activity, including the use of false or misleading caller ID Key Compliance Updates Under SB 1339 Text messages now qualify as "telephone solicitation calls" and are fully regulated. For marketing purposes, you must obtain prior written consent before calling or texting. No more than three contacts per 24 hours are allowed for the same topic. No solicitation before 8:00 AM or after 9:00 PM, local time. Opt-Out Requirements If a consumer no longer wishes to be contacted: They can verbally state that they want no further solicitation for phone calls. For text messages, they can reply with "UNSUBSCRIBE" or "STOP." You must honor all opt-out requests for a minimum of 10 years. Applies whether contact is made directly or on behalf of another party. Penalties for Non-Compliance Civil penalties up to $500 per violation, and $1,500 per willful violation Consumers may pursue private legal action What You Need to Do Now Review and update your scripts, dialing platforms, and texting systems. Ensure all contacts have prior express written consent. Limit daily outreach attempts and monitor communication hours. Maintain and honor an internal Do Not Call list for 10 years. Monitor and record all opt-out requests (verbal or text-based). For more information, refer to Senate Bill 1339 (SB 1339)​

fabulous. more rules for us brokers, meanwhile people in ...... (anywhere outside of this country) will continue this bullshit. so we get nowhere, actually like everything politicians do it becomes a thorn in our asses. What percentage of the telemarketing/spam calls are originating domestically? 1% 5%?? I bet 1-2%

 

[MedicareWAA]

fabulous. more rules for us brokers, meanwhile people in ...... (anywhere outside of this country) will continue this bullshit. so we get nowhere, actually like everything politicians do it becomes a thorn in our asses. What percentage of the telemarketing/spam calls are originating domestically? 1% 5%?? I bet 1-2%

You can thank the call center brokers who write 300,000+ MA plans every year and are the people buying most of those phone calls.

 

[maxherr]

Doesn't matter what laws state legislatures pass, the scammers are two steps ahead of them, using spoofed phone numbers that are virtually untraceable (many of them are "not in service" numbers). I get dozens of scam calls every week despite the fact that my phone number has been on the Federal DO NOT CALL registry for more than 20 years.

The best thing we agents can do is educate our clients, especially the seniors, how to spot and avoid the scammers. My clients know that I have the answers to their questions, and if I don't, I will find it. They call me first before they make any changes. That's what trust is all about.

 

[GoPokes]

It may have nothing to do with selling medicare insurance. It may have everything to do with gathering MBI numbers to use for fraudulent medicare billing.

The parties behind these crimes continue to operate in the shadows. They have to continue to gather MBI numbers for people on original medicare. They cannot use MBI for people on advantage, and obviously they cannot use MBI for people who have died.

Of course, it could also be for med advantage sales. There are a handful of scenarios that could be behind it, none of which are legal or compliant.

But, who is going to police it? It's my experience that these calls can hide behind a simple spoofing of the phone number. Unless you do business with them, how do you find out who is behind it? Why isn't there a law enforcement group aligned with CMS to manage this ? I am not only asking this as an insurance agent, but also has a tax paying citizen... why can't the fed get a handle on this stuff?