phone number to the Commission, through either the Internet on a Web site just for this or by calling a toll-free number.

Consumers will not be charged when they register their telephone number with the FTC's nationwide "do not call" registry. In order for the telemarketer to see the list with the names on it, they will have to pay for it, and every three months they will be required to take off any consumers' telephone numbers that are incorporated with the new registry.

Billing Authorization Provisions

The consumer must o.k. the request of their account numbers, unless it is for making a payment for services or goods (or a donation to charity), as telemarketers are not allowed to ask for them under the new guidelines.

Also, telemarketers are banned from putting a payment through processing without consent from the customer or donor because the amended Rule forbids billing that is not authorized in each telemarketing business deal. Also specified is just how stated up to date permission should be gained anytime a telemarketer: a) contains the number to the account, and b) the proposal the telemarketer is advertising contains a supposed "free-to-pay conversion" attribute - where the consumer has a free testing period after they already have sustained automatic charges, unless he or she takes action to cancel. If this should happen, the telemarketer has to: get hold of the consumer's consent to be charged, and the specific account number used to be charged with; and create and uphold an audio recording of the complete telemarketing business deal.

The disclosure of all significant conditions of any proposal that includes a free test period after which the customer has sustained automatic charges, unless he or she takes action to cancel is largely mandatory in the amended Rule. Also forbidden in the Rule is the particular falsifications that are connected to such proposals.

The amended TSR also pulls the reins on the present provisions overseeing business deals where a unique or strange payment technique is used - like "demand drafts" (or "phone checks" - where a customer's checking account is subtracted from based only on the customer's disclosure of the account number, not on writing a check), or adds it on to a present finance account, or a utility account. This Rule spells out the information that telemarketers have to disclose to guarantee that customers have stated their "express verifiable authorization" to be charged using such unique ways of payment. These provisions are relevant for any way of payment other than credit cards subject to the Fair Credit Billing Act or debit cards subject to the Electronic Funds Transfer Act.

Call Desertion Regulation

When all you hear is "dead air", instead of a voice, when you answer a telemarketer's call, this is "call desertion". These calls usually happen when telemarketers use "predictive dialers" or some other automatic dialing software to call many customers at one time. The "dead air" is really from the calls that have been deserted because there

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