The FTC's Telemarketing Sales Rule helps protect you from abusive and deceptive telephone sales practices. The Rule restricts calling times to the hours between 8 a.m. and 9 p.m., and puts other limits on telemarketers, too. For example:

  1. Telemarketers must tell you it's a sales call, the name of the seller and what they're selling before they make their pitch.
  2. It's illegal for telemarketers to lie about their goods or services; earnings potential, profitability, risk, or liquidity of an investment; or the nature of a prize in a prize-promotion scheme.
  3. Before you pay, telemarketers must tell you the total cost of the goods they're selling; any restrictions on getting or using them; and if a sale is final or non-refundable. In a prize promotion, they must tell you the odds of winning, that no purchase or payment is necessary to win, and any restrictions or conditions of receiving the prize.
  4. It's illegal for a telemarketer to withdraw money from your checking account without your express, verifiable authorization.
  5. Telemarketers cannot lie to get you to pay, no matter what method of payment you use.
  6. You do not have to pay for credit repair, recovery room, or credit services until these services have been delivered.
  7. It's illegal for a telemarketer to call you if you have asked not to be called.