Telephone Consumer Protection Act (TCPA): Federal law that restricts telemarketing calls, automatic dialing systems, artificial/prerecorded voice messages, and SMS text messages. Essential for lead referral agreements involving telephone or SMS communications.
CAN-SPAM Act: Federal law governing email marketing practices. Must be considered when lead referral involves email communications or marketing.
Federal Trade Commission (FTC) Guidelines: Regulatory guidelines that protect consumers from unfair or deceptive practices in commerce, including lead generation and referral practices.
Fair Credit Reporting Act (FCRA): Federal law that regulates the collection, dissemination, and use of consumer credit information. Relevant if lead referral involves credit-related information.
Gramm-Leach-Bliley Act: Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data. Applicable if financial services are involved.
California Consumer Privacy Act (CCPA): State law protecting California residents' privacy rights and personal information. Must be considered if dealing with California residents.
HIPAA: Federal law protecting medical information privacy and security. Essential if the lead referral agreement involves healthcare-related information.
Real Estate Settlement Procedures Act (RESPA): Federal law regulating real estate settlement processes and prohibiting kickbacks. Critical for real estate-related lead referrals.
State Contract Laws: Various state-specific laws governing contract formation, enforcement, and interpretation. Must be considered for agreement validity.
State Licensing Requirements: Industry-specific licensing requirements that vary by state. Essential for ensuring legal compliance in regulated industries.
Federal Anti-Kickback Statute: Federal law prohibiting the exchange of anything of value to induce referrals of federal healthcare program business. Critical for healthcare-related referrals.
Federal Trade Commission Act: Primary federal law governing advertising and marketing practices, including truthfulness and substantiation requirements.
