Compliance at R:AIDE
We believe in transparent, responsible outreach. Here is how we protect you, your contacts, and ourselves.
This page is for informational purposes and does not constitute legal advice. Compliance requirements change frequently. Consult qualified legal counsel for your specific situation. Data current as of April 2026.
1. Federal Requirements by Channel
Each outreach channel carries distinct federal regulations, consent requirements, and risk profiles. R:AIDE enforces channel-specific guardrails automatically, but certain responsibilities remain yours.
Rules differ depending on whether you are contacting consumers or businesses. AI voice call consent requirements apply to both -- but DNC registry and enforcement patterns differ.
Voice Calls
CRITICALGoverning Law
TCPA, FCC Ruling 24-17
Consent Required
Prior Express Written Consent (PEWC)
What We Enforce
- AI voice disclosure on every call (FCC 24-17)
- National DNC registry scrubbing
- Call time window enforcement (8 AM - 8 PM recipient local time)
- Call frequency limits (3 per 24h per recipient)
- State-specific call hour restrictions
You Are Responsible For
- Obtaining PEWC from every recipient
- Maintaining your internal DNC list
- State telemarketing registration
- Content accuracy of your claims
SMS / Text
HIGHGoverning Law
TCPA, CTIA Guidelines, State SMS Laws
Consent Required
Opt-in (express consent)
What We Enforce
- STOP / HELP keyword handling on every message
- Opt-out confirmation messages
- Suppression list enforcement across channels
- Message frequency limits
- 10DLC registration compliance
You Are Responsible For
- Obtaining express opt-in consent
- Content accuracy and truthfulness
- State-specific SMS registration
- Industry-specific licensing
Governing Law
CAN-SPAM Act, State Email Laws
Consent Required
Opt-out model (unsubscribe required)
What We Enforce
- One-click unsubscribe headers (RFC 8058)
- Suppression list enforcement
- Sender identity in every message
- Industry-specific AI content guardrails
- Domain warmup and reputation management
You Are Responsible For
- Valid physical mailing address
- Accurate business information
- Honoring opt-out requests within 10 days
- Not using deceptive subject lines
2. State-by-State Compliance Matrix
All 50 states and DC have telemarketing regulations that layer on top of federal TCPA requirements. Some states impose stricter call windows, higher bond requirements, explicit SMS consent, or private rights of action that significantly increase litigation exposure. R:AIDE enforces the stricter of federal or state requirements for each recipient.
| State | Risk | Call Window | Freq Limit | Registration | Bond | Two-Party | PRA | Max Penalty |
|---|---|---|---|---|---|---|---|---|
| California(CA) | Extreme | 8:00 AM - 9:00 PM | Federal | Yes | $100,000 | Yes | Yes | $7,500/violation (CCPA); $500/AI disclosure violation |
| Florida(FL) | Extreme | 8:00 AM - 8:00 PM | 3/24h | Yes | $50,000 | Yes | Yes | $1,500/willful violation |
| New York(NY) | Extreme | 9:00 AM - 6:00 PM | Federal | Yes | $25,000 | No | Yes | $20,000/violation |
| Texas(TX) | Extreme | 9:00 AM - 9:00 PM | Federal | Yes | $10,000 | No | Yes | $5,000/violation; DTPA treble damages |
| Connecticut(CT) | High | 9:00 AM - 8:00 PM | Federal | No | -- | Yes | Yes | $20,000/violation |
| Georgia(GA) | High | 8:00 AM - 9:00 PM | Federal | No | -- | No | Yes | No cap on damages |
| Illinois(IL) | High | 8:00 AM - 9:00 PM | Federal | No | -- | Yes | Yes | $50,000/violation (telemarketing); $5,000/BIPA violation |
| Maryland(MD) | High | 8:00 AM - 8:00 PM | 3/24h | No | -- | Yes | Yes | $10,000/violation |
| New Jersey(NJ) | High | 8:00 AM - 9:00 PM | Federal | Yes | $50,000 | No | Yes | $20,000/violation; disorderly person offense |
| Oklahoma(OK) | High | 8:00 AM - 8:00 PM | 3/24h | Yes | -- | No | Yes | $1,500/willful violation |
| Rhode Island(RI) | High | 9:00 AM - 6:00 PM | Federal | Yes | -- | No | Yes | $10,000/violation |
| Virginia(VA) | High | 8:00 AM - 9:00 PM | Federal | No | -- | No | Yes | $5,000/violation |
| Washington(WA) | High | 8:00 AM - 8:00 PM | Federal | Yes | -- | Yes | Yes | $25,000/violation |
| Alabama(AL) | Moderate | 8:00 AM - 8:00 PM | Federal | Yes | -- | No | No | $10,000/violation |
| Arizona(AZ) | Moderate | 8:00 AM - 9:00 PM | Federal | Yes | $100,000 | No | Yes | $10,000/violation |
| Colorado(CO) | Moderate | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | Yes | $20,000/violation |
| Delaware(DE) | Moderate | 8:00 AM - 9:00 PM | Federal | Yes | $50,000 | Yes | Yes | $10,000/violation |
| Louisiana(LA) | Moderate | 8:00 AM - 8:00 PM | Federal | Yes | -- | No | Yes | $10,000/violation |
| Maine(ME) | Moderate | 9:00 AM - 5:00 PM | 1/24h | No | -- | No | No | $10,000/violation |
| Massachusetts(MA) | Moderate | 8:00 AM - 8:00 PM | Federal | No | -- | Yes | Yes | $5,000/violation; Chapter 93A treble damages |
| Michigan(MI) | Moderate | 9:00 AM - 9:00 PM | Federal | No | -- | Yes | Yes | Misdemeanor |
| Minnesota(MN) | Moderate | 9:00 AM - 9:00 PM | Federal | No | -- | No | Yes | $25,000/violation |
| Mississippi(MS) | Moderate | 8:00 AM - 8:00 PM | Federal | Yes | -- | No | No | $10,000/violation |
| Montana(MT) | Moderate | 8:00 AM - 9:00 PM | Federal | Yes | -- | Yes | Yes | Felony (3rd+ offense: 5 years, $10,000) |
| Nevada(NV) | Moderate | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | Yes | $12,500/violation |
| New Hampshire(NH) | Moderate | 8:00 AM - 9:00 PM | Federal | No | -- | Yes | Yes | 7 years imprisonment for recording violations |
| Ohio(OH) | Moderate | 8:00 AM - 9:00 PM | Federal | Yes | $50,000 | No | Yes | $25,000/violation |
| Pennsylvania(PA) | Moderate | 8:00 AM - 9:00 PM | Federal | Yes | -- | Yes | Yes | $3,000/subsequent violation; criminal penalties for recording |
| West Virginia(WV) | Moderate | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | Yes | $5,000/violation |
| Wyoming(WY) | Moderate | 8:00 AM - 8:00 PM | Federal | Yes | -- | No | No | $10,000/violation |
| Alaska(AK) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | No | $5,000/violation |
| Arkansas(AR) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | No | $10,000/violation |
| District of Columbia(DC) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | Yes | $10,000/violation |
| Hawaii(HI) | Low | 8:00 AM - 9:00 PM | Federal | No | -- | No | No | $10,000/violation |
| Idaho(ID) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | No | $5,000/violation |
| Indiana(IN) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | Yes | $10,000/violation |
| Iowa(IA) | Low | 8:00 AM - 9:00 PM | Federal | No | -- | No | No | $40,000/violation |
| Kansas(KS) | Low | 8:00 AM - 9:00 PM | Federal | No | -- | No | No | $10,000/violation |
| Kentucky(KY) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | Yes | $10,000/violation |
| Missouri(MO) | Low | 8:00 AM - 9:00 PM | Federal | No | -- | No | Yes | $5,000/violation |
| Nebraska(NE) | Low | 8:00 AM - 9:00 PM | Federal | No | -- | No | No | $25,000/violation |
| New Mexico(NM) | Low | 8:00 AM - 9:00 PM | Federal | No | -- | No | Yes | $5,000/violation |
| North Carolina(NC) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | Yes | $5,000/violation |
| North Dakota(ND) | Low | 8:00 AM - 9:00 PM | Federal | No | -- | No | No | $5,000/violation |
| Oregon(OR) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | Yes | $5,000/violation |
| South Carolina(SC) | Low | 8:00 AM - 9:00 PM | Federal | No | -- | No | Yes | $5,000/willful violation |
| South Dakota(SD) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | No | $10,000/violation |
| Tennessee(TN) | Low | 8:00 AM - 9:00 PM | Federal | No | -- | No | Yes | $10,000/violation |
| Utah(UT) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | Yes | $10,000/violation |
| Vermont(VT) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | Yes | $10,000/violation |
| Wisconsin(WI) | Low | 8:00 AM - 9:00 PM | Federal | Yes | -- | No | Yes | $10,000/violation |
Click any row to expand details. Click column headers to sort. Data current as of April 2026 -- review quarterly.
3. Regulated Industries
Certain industries carry additional compliance obligations beyond general telemarketing law. R:AIDE automatically detects your industry during onboarding and injects appropriate guardrails into all AI-generated content -- social suggestions, email sequences, voice call scripts, and follow-ups.
Real Estate
HighKey Regulations
Channel-Specific Warnings
Real estate voice outreach must identify the brokerage within the first 30 seconds
Include brokerage name and license information in all outreach
Fair Housing Act applies to all advertising including social media
What R:AIDE Enforces
- Prevents fabrication of services, plans, programs, or pricing not in your business profile
- Blocks Fair Housing Act violations (protected class references, steering)
- Prohibits unsubstantiated guarantees about property values, sale timelines, or returns
- Requires brokerage name and license disclosure in all outreach
R:AIDE automatically enforces Fair Housing Act compliance and prevents fabrication of services, plans, or pricing in all AI-generated content. These are best-effort guardrails, not legal advice.
Healthcare
HighKey Regulations
Channel-Specific Warnings
Healthcare voice outreach must not provide medical advice or diagnosis
Health claims in email must be substantiated with evidence
FTC actively monitors social media health claims
What R:AIDE Enforces
- Blocks unsubstantiated cure, treatment, or outcome claims
- Prevents fabrication of clinical statistics, study results, or FDA approvals
- Prohibits medical diagnosis or treatment advice in outreach
- Enforces supplement disclaimer requirements
R:AIDE prevents unsubstantiated health claims, fabricated statistics, and HIPAA-sensitive references in all AI-generated content. These are best-effort guardrails, not legal advice.
Legal
HighKey Regulations
Channel-Specific Warnings
CAUTION: Cold phone outreach to prospective clients is PROHIBITED in most states under bar rules
CAUTION: SMS solicitation is PROHIBITED in most states
Many states require 'ADVERTISING MATERIAL' label on solicitation emails
What R:AIDE Enforces
- Prohibits guaranteed outcome or settlement claims
- Blocks unearned 'specialist' or 'expert' designations
- Prevents legal advice or case analysis in outreach messages
- Enforces attorney advertising labeling requirements
R:AIDE enforces bar advertising rules including prohibition of guaranteed outcomes and fabricated case results. Voice and SMS channels may be restricted in your jurisdiction. These are best-effort guardrails, not legal advice.
Financial Services
HighKey Regulations
Channel-Specific Warnings
Financial services voice outreach must be fair and balanced per FINRA rules
Include required disclosures (registrations, disclaimers) in all outreach
FINRA reviews social media communications — same rules apply as formal advertising
What R:AIDE Enforces
- Blocks guaranteed return or 'risk-free' investment claims
- Prevents fabrication of performance data or client testimonials
- Requires 'past performance' disclaimers when discussing returns
- Enforces fair and balanced communication standards
R:AIDE prevents fabrication of performance data, guaranteed return claims, and misleading financial product comparisons. These are best-effort guardrails, not legal advice.
Insurance
ModerateKey Regulations
Channel-Specific Warnings
Insurance voice outreach must identify the agency and include required disclosures
Include agent license number and required state disclaimers
What R:AIDE Enforces
- Prohibits guaranteed coverage or 'lowest rate' claims
- Prevents fabrication of premium quotes or policy features
- Blocks government affiliation or endorsement implications
- Requires license number disclosure in all advertising
R:AIDE prevents fabrication of coverage details, rate guarantees, and misleading product comparisons. These are best-effort guardrails, not legal advice.
4. What We Enforce vs What You Are Responsible For
R:AIDE is a platform, not a legal compliance service. We build robust guardrails into the product, but certain compliance obligations can only be fulfilled by you as the business owner.
R:AIDE Enforces
- AI voice disclosure on every call (FCC 24-17 compliance)
- National DNC registry scrubbing before outreach
- Call time window enforcement (8 AM - 8 PM recipient local time, or stricter per state)
- Call frequency limits (3 per 24 hours per recipient)
- SMS STOP / HELP keyword handling and opt-out confirmation
- Email unsubscribe headers (RFC 8058 one-click unsubscribe)
- Industry-specific AI content guardrails for regulated verticals
- Suppression list enforcement across all channels
- Domain warmup and sender reputation management
- State-specific call hour restrictions (applied automatically per recipient location)
You Are Responsible For
- Obtaining Prior Express Written Consent (PEWC) for voice and SMS contacts
- Maintaining your internal Do-Not-Call list
- Ensuring accuracy of your business information and claims
- State telemarketing registration where required
- Industry-specific licensing (real estate, insurance, financial services)
- Providing a valid physical mailing address for email outreach
- Maintaining consent records for your contacts
- Complying with your state bar, DOI, or regulatory body rules
- Seeking independent legal counsel for your specific situation
Questions About Compliance?
If you have questions about how R:AIDE handles compliance for your industry or state, contact us at hello@raide.app.
Last reviewed: April 2026